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Wells Fargo Cash Wise Visa Card

in Personal Credit Cards

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Wells Fargo Cash Wise Visa Card

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in Personal Credit Cards

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Overview

Who is this credit card designed for?

Wells Fargo Cash Wise Visa Card is a credit card issued by Wells Fargo Bank, which is based in San Francisco, CA. 

Wells Fargo Cash Wise Visa Card is designed for people with a credit score of 700 to 850. It's perfect for consumers looking for a card without an annual fee. It is also designed for people who want a cashback rewards program. This card allows you to earn cash on the purchases you make. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR.

What are the relevant APRs?

Wells Fargo Cash Wise Visa Card has a variable purchase APR that ranges from 14.49% to 26.49%. Balance transfer APRs range from 14.49% to 26.49%.

Is an introductory APR offer available?

Yes, Wells Fargo Cash Wise Visa Card offers an introductory APR rate of 0% for a period of 12 months.

What are the fees?

The following fees apply to Wells Fargo Cash Wise Visa Card:

  • There is no annual fee
  • A late payment penalty of $37.
  • A returned payment fee of $37.
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

The rewards program allows you to earn cash with every purchase you make. This card features rewards for purchases in the following categories:

  • Every Purchase

Is a signup bonus offered?

Yes, Wells Fargo Cash Wise Visa Card offers card users a signup bonus worth up to $200 after spending $1000.

Is an annual loyalty bonus offered?

Wells Fargo Cash Wise Visa Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 Wells Fargo Cash Wise Visa Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Cellular Telephone Protection
  • Travel Assistance

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Availability

Available in 50 States and Washington, DC
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period / Deferred Interest (Months)
25
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$37
Returned Payment Fee
$37
Minimum Interest Charge
$1
Foreign Currency Transaction Fee
3%
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Credit Score Range
700 - 850
850 300 700
Minimum Age
18
Co-signing Allowed
Customer Type
Personal
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Emergency Support
  • Fraud Liability
  • ID Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Car Rental Insurance
Extended Warranty
Fraud Liability
Bonus Rewards
1.5x
Rewards Categories
  • Every Purchase
All Other Purchases
1.5x
No Reward Expiration Period
Signup Bonus
$200
Purchases APR
(Variable APR)
14.49% - 26.49%
0% 29%
Balance Computation
average daily balance (including new purchases)
Introductory Rate
0%
Balance Transfer APR
(Variable APR)
14.49% - 26.49%
8% 29%
Transfer Fee
3%
Transfer Fee Minimum
$5
Transfer Fee
3% or $5
Introductory Rate
0%
Intro APR period (months)
12

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Starting Purchases APR
(Variable APR)
20.49% Starting Variable APR
Starting Balance Transfer APR
(Variable APR)
20.49% Starting Variable APR
Annual Fee $25 Annual Fee
Credit Score Range 300 - 850 300 850