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

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Card details

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

  • Earn unlimited 1.5% cash rewards on purchases

  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee

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

  • $0 annual fee

  • 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

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

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

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.5%

  • Bonus offer

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

  • Intro APR

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

  • Ongoing APR

    APR: 14.49% - 24.99% Variable APR

  • Balance transfer fee

    3% for 120 days from account opening, then up to 5%

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

14.49% - 24.99% Variable APR

Rates & Fees

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

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

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

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
  • 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 on purchases in the first 3 months. Plus, the card offers an introductory APR: 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR.

There are, however, minimum redemption thresholds.

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