Wells Fargo Cash Wise Visa® card

Wells Fargo Cash Wise Visa® card

Wells Fargo Cash Wise Visa® card

Wells Fargo Cash Wise Visa® card

Wells Fargo Cash Wise Visa® card

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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% intro for 120 days from account opening, then up to 5%; min: $5

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

Wells Fargo Cash Wise Visa® Credit Card

Wells Fargo Cash Wise Visa® card

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$0

Annual fee

$99

Annual fee

$199

Regular APR

14.49%-24.99% Variable APR

Regular APR

16.24%, 20.24% or 25.24%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

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

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Kenley Young

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

4.7

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • New cardholder bonus offer

  • Intro APR period

  • Cell phone insurance

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%-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.