Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® Card

on Wells Fargo's secure website

Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® Card

on Wells Fargo's secure website

Card details

  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months

  • Earn unlimited 1.5% cash rewards on purchases

  • Enjoy 1.8% cash rewards on qualified mobile 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% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 15.99%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee

  • $0 Annual Fee

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

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.50%

  • Bonus offer

    Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months

  • Intro APR

    0% on Purchases and Balance Transfers for 12 months

  • Ongoing Apr

    APR: 15.99% - 26.99% Variable APR

  • Balance Transfer Fee

    3% intro for 12 months, then 5% ongoing

  • Foreign Transaction Fee

    3%

Recommended credit score

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NerdWallet Review

By Kenley Young

Rating Details

3.9

Editor's overall rating

Pros and Cons

Pros

  • High rewards rate

  • Sign-up bonus

  • Intro APR period on Purchases and 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 all 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 mobile 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 $200 cash rewards bonus after spending $1,000 in the first 3 months. Plus, the card offers an introductory APR: 0% on Purchases and Balance Transfers for 12 months, and then the ongoing APR of 15.99% - 26.99% Variable APR.

There are, however, minimum redemption thresholds.

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

User Reviews

Rating Details

NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

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