Wells Fargo Cash Wise Visa® card
Wells Fargo Cash Wise Visa® card
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® card | ||
|---|---|---|
Annual Fee$0 | Annual Fee$95 | Annual Fee$0 intro for the first year, then $95 |
Regular APR14.49% - 24.99% Variable APR | Regular APR15.99% - 22.99% Variable APR | |
Intro APR0% intro APR for 15 months from account opening on purchases and qualifying balance transfers | Intro APRN/A | Intro APR0% intro APR on Purchases for 12 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
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.
