Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Brett Holzhauer, FinanceBuzzThe Wells Fargo Cash Wise Visa Credit Card is a great go-to card for cashback earnings with no fuss. This card is typically overlooked by many because Wells Fargo isn’t a large player in the credit card market. However, you shouldn’t discount it — as this card packs a punch.
- Valencia Patrice Higuera, MyBankTrackerThis credit card is designed for someone who doesn't have any type of noticeable spending pattern. That way: You simply earn a flat 1.5 percent cash back on everything without worrying about purchase categories and limits. As always, be sure to pay off balances in full every month because it doesn't...
- Holly D. Johnson, Erika Hearthway, The BalanceIt is a straightforward rewards credit card with no annual fee—and some extra perks. Consider it if you’re looking for easy-to-earn, unlimited cash back, especially if you want to pay off a big purchase interest-free for a few months.
- Jim Wang, Best Wallet HacksThis card is ideal for someone who wants a cash back credit card but doesn't want to mess around with activating categories or making sure they are using the right card on the right purchase type. It's a solid “everyday” card where you know you're getting unlimited 1.5% cash back credit card on all...
- Justin Estes, SimpleMoneyLyfeAll-in-all, the Wells Fargo Cash Wise Visa® is a solid option, but there are better cards available. That said, the no annual fee, generous cash back rewards, and sign-up bonus make this card a great choice for those looking for simplicity.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
14.49% ‐ 24.99% (Variable) (0% for the first 15 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
14.49% ‐ 24.99% (Variable) (0% for the first 15 months) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
23.99% ‐ 25.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
5% Minimum of $5. 3% for the first 12 months. |
| Cash Advance Fee |
5% Minimum of $10. |
| Foreign Transaction Fee |
3% of each transaction in U.S. dollars. |
| Over Limit Fee |
$0.00 |
| Late Payment Fee |
$37.00 Maximum |
| Promotions | |
| Sign up bonus |
$150 after spending $500
|
| Rewards | |
| All Purchases | 1.5% cash back |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | Yes |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | No |
| Emergency Assistance | Yes |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | No |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay, Google Pay |
| Virtual Cards | No |
| Additional Benefits |
- Cell Phone Protection - Emergency Card Replacement |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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