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  Wells Fargo Cash Wise Visa Card

Wells Fargo Cash Wise Visa Card

in Personal Credit Cards from Wells Fargo Bank

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Wells Fargo Cash Wise Visa Card

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in Personal Credit Cards from Wells Fargo Bank

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 15.74% - 27.74%
Balance Transfer APR  (Variable APR) 15.74% - 27.74%
Credit Score Range 700 - 850
Rewards Rates 1.5% on Every Purchase

Wells Fargo Cash Wise Visa Card Review

Wells Fargo Cash Wise Visa Card is a cashback credit card issued by Wells Fargo Bank.  If you're wondering whether Wells Fargo Cash Wise Visa Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways

  • Up to 1.5% on every day purchases. This is higher than the averge reward rate (1%) for "every-day" purchases.
  • 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% for up to 15 months , which is longer than the average 0% APR period of 12 months.
  • Signup bonus. Offers a signup bonus of $150 if you spend $500.
  • Competitive APRs. Wells Fargo Cash Wise Visa Card has a variable purchase APR of up to 27.74%.
  • Charges foreign transaction fees. Avoid using this card when traveling outside the U.S. because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, travel accident insurance, travel assistance, and fraud protection.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Earn rewards on every purchase.
  • Wells Fargo Cash Wise Visa Card reports to multiple credit bureaus.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Travel Accident Insurance.
  • Travel Assistance.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.

Is there a Wells Fargo Cash Wise Visa Card cash back or rewards program?

No, Wells Fargo Cash Wise Visa Card does not offer a rewards program. Wells Fargo Cash Wise Visa Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Wells Fargo Cash Wise Visa Card you receive 1.5% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

What are the Wells Fargo Cash Wise Visa Card benefits?

Wells Fargo Cash Wise Visa Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Zero fraud liability
  • Travel Accident Insurance
  • Cellular Telephone Protection
  • No blackout dates when redeeming miles
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Wells Fargo Cash Wise Visa Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Wells Fargo Cash Wise Visa Card has lower than average purchase APRs.

Wells Fargo Cash Wise Visa Card has a variable purchase APR that ranges from 15.74% up to 27.74%. The card has a variable balance transfer APR that ranges from 15.74% up to 27.74%. It also has a variable cash advance APR that ranges from 25.74% up to 27.74%.

Does Wells Fargo Cash Wise Visa Card have an introductory APR offer?

Yes, Wells Fargo Cash Wise Visa Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 15 months.

Wells Fargo Cash Wise Visa Card Balance Transfers
Description
Balance Transfer APR 15.74% - 27.74%
Introductory Rate 0%
Intro APR period (months) 15
Wells Fargo Cash Wise Visa Card Rates & Terms
Description
Balance Computation average daily balance (including new purchases)
Purchase APR 15.74% - 27.74%
Credit Limit N/A
Penalty APR N/A
Cash Advance APR 25.74% - 27.74%
Security Deposit N/A
Introductory Rate 0%
Intro APR period (months) 15

What are the Wells Fargo Cash Wise Visa Card fees?

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

Wells Fargo Cash Wise Visa Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee up to $37
Late Payment Fee up to $37

Does Wells Fargo Cash Wise Visa Card have a foreign transaction fee?

Wells Fargo Cash Wise Visa Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Wells Fargo Cash Wise Visa Card report your account activity to credit bureaus?

Wells Fargo Cash Wise Visa Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Wells Fargo Cash Wise Visa Card

  • Visit the Wells Fargo Cash Wise Visa Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

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

Every Purchase (Points) Unlimited 1.5% cash rewards on purchases
Annual Fee $0
No Annual Fee  
No Interest Grace Period for Late Payment 25
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
Cash Advance Fee (%) 5%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 3%
Late Fee Amount Up to $37
Minimum Interest Charge $1
Returned Payment Fee Up to $37
Customer Type Personal
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Card Network
  • Visa
Card Type
  • Balance Transfer
  • Cashback
  • Zero Percent
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Emergency Support  
Fraud Liability  
Travel Insurance  
Bonus Rewards $150 cash rewards bonus when you spend $500 in purchases in the first 3 months
No Blackout Dates  
No Reward Expiration Period  
Rewards Rates
  • 1.5% on Every Purchase
Signup Bonus $150
Cash Advance APR (Variable APR) 25.74% - 27.74%
Purchase APR (Variable APR) 15.74% - 27.74%
Balance Computation average daily balance (including new purchases)
Introductory Rate 0%
Balance Transfer APR (Variable APR) 15.74% - 27.74%
Intro APR period 15
Introductory Rate 0%

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