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Wells Fargo Cash Wise Visa® Card review

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Advertiser Disclosure

Interest Rate: Purchases
14.49% ‐ 24.99% (Variable) (0% for the first 15 months)
Balance Transfer
14.49% ‐ 24.99% (Variable) (0% for the first 15 months)
1.5% cashback
Signup Bonus
$150 after spending $500

Informr score
The Wells Fargo Cash Wise Visa® Card currently has an Informr score of 8.7 out of 10. This score is based on our evaluation of 25 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Wells Fargo Cash Wise Visa® Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


The Wells Fargo Cash Wise Visa® card is both the best cash rewards card that Wells Fargo has to offer and one of the best cash back credit cards from any issuer. But a limited-time offer has a lot to do with that. New applicants can earn a $150 cash bonus for spending just $500 within 3 months of ac...

- John S Kiernan, WalletHub
Traveling For Miles

The Wells Fargo Cash Wise Visa is a simple but effective cashback card that combines low fees, low introductory APRs, an easy to achieve welcome offer and cellphone cover all in one bundle. In uncertain times this is a “safe haven” card that, when used correctly, can save a cardholder fees and inter...

- Ziggy, Traveling For Miles

The Wells Fargo Cash Wise Visa® Card underwhelms when it comes to cash-back rates, but its cell phone protection is a compelling perk. That alone could save you around $150 a year if you otherwise pay for it through your cellular carrier. In the scheme of cash-back credit cards, the Wells Fargo Cash...

- TJ Porter, Cardcruncher
Credit Card Insider

Provides a simple, straightforward way to earn rewards on every purchase. It’ll provide extra time to pay off big purchases, and helps if you need to pay off a balance from another card that’s accruing interest. You should be able to easily qualify for the signup bonus if you use the card for routin...

- Evan Zimmer, Credit Card Insider

The 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.

- Brett Holzhauer, FinanceBuzz


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


Sign up bonus $150 after spending $500

- On purchases within the first 3 months.

- 1.8% cash rewards earned on purchases when using a qualified mobile wallet (including Apple Pay and Google Pay) during the first 12 months from account opening.

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

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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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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