Wells Fargo Cash Wise Visa® card

Wells Fargo Cash Wise Visa® card

on Wells Fargo's website

Wells Fargo Cash Wise Visa® card

Wells Fargo Cash Wise Visa® card

Wells Fargo Cash Wise Visa® card

on Wells Fargo's website

Card details

  • Earn a $150 cash rewards bonus after spending $500 in the first 3 months

  • Earn unlimited 1.5% cash rewards on purchases

  • Enjoy 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening

  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open

  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® card

  • $0 Annual Fee

  • Select "Apply Now" to learn more about the product features, terms and conditions

  • View Rates and Fees

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.5%

  • Bonus offer

    Earn a $150 cash rewards bonus after spending $500 in the first 3 months

  • Intro APR

    0% intro APR for 15 months on purchases and qualifying balance transfers

  • Ongoing APR

    APR: 13.99% - 25.99% Variable APR

  • Balance transfer fee

    3% for 120 days, then 5%

  • Foreign transaction fee

    3%

Recommended credit score

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NerdWallet review

By Kenley Young

Rating details

4.7

Editor's overall rating

Pros and cons

Pros

  • High rewards rate

  • Sign-up bonus

  • Intro APR period on Purchases and qualifying Balance Transfers

  • Offers cell phone protection when bill is paid with card

Cons

  • $25 minimum redemption

  • Requires good/excellent credit

The Wells Fargo Cash Wise Visa® card earns an unlimited 1.5% cash back on purchases, which is the industry standard among similar flat-rate rewards cards in its class. However, in your first year, the card earns you 1.8% cash back on eligible digital wallet purchases, such as Apple Pay® and Google Pay™.

It has an annual fee of $0, and you'll also be eligible for a top-notch sign-up bonus: Earn a $150 cash rewards bonus after spending $500 in the first 3 months. Plus, the card offers an introductory APR: 0% APR for 15 months on purchases and qualifying balance transfers, and then the ongoing APR of 13.99% - 25.99% Variable APR.

There are, however, minimum redemption thresholds.

For more information, see NerdWallet’s full review of the Wells Fargo Cash Wise Visa® card.