SuperMoney
  Wells Fargo Cash Wise Visa Card

Wells Fargo Cash Wise Visa Card

in Personal Credit Cards from Wells Fargo Bank

Unaffiliated

Wells Fargo Cash Wise Visa Card

Unaffiliated

in Personal Credit Cards from Wells Fargo Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Wells Fargo Cash Wise Visa Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 14.49% - 24.99%
Balance Transfer APR  (Variable APR) 14.49% - 24.99%
Credit Score Range 700 - 850
Annual Fee $0

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
  • Earn 1.5% cash back on everyday purchases (terms apply*). This is higher than the average reward rate (1% cash back) for everyday purchases.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
  • Signup bonus. Offers a signup bonus of $150 if you spend $500 within 3 months.
  • Competitive APRs. Wells Fargo Cash Wise Visa Card has a variable purchase APR that ranges from 14.49% up to 24.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Wells Fargo Cash Wise Visa Card charges a fee of up to 3% on balance transfers, if you transfer the balance within 120 days of opening the account. After the introductory period, the fee is 5%. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
Wells Fargo Cash Wise Visa Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • 0% APR on new purchases during the first 15 months.
  • No annual fee.
  • Multiple credit card perks.
  • Wells Fargo Cash Wise Visa Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee, if you transfer the balance within 120 days of opening the account. After the introductory period, the fee is 5% of the balance transferred or $5, whichever is greater.
Wells Fargo Cash Wise Visa Card FAQ

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:

  • Cellular Telephone Protection
  • No blackout dates when redeeming miles
  • 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 14.49% up to 24.99%. The card has a variable balance transfer APR that ranges from 14.49% up to 24.99%. It also has a variable cash advance APR that ranges from 23.99% up to 25.99%.

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

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.

Wells Fargo Cash Wise Visa Card Balance Transfers
Description
Balance Transfer APR 14.49% - 24.99%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 15
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period 5%
Balance Transfer Fee Intro Period (days) 120
Balance Transfer Fee Minimum $5

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

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 Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 15

What are the fees for Wells Fargo Cash Wise Visa Card?

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%
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?

Yes, 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 may help improve your credit.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  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
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Returned Payment Fee Up to $37
Late Fee Amount Up to $37
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Bonus Rewards $150 cash rewards bonus when you spend $500 in purchases in the first 3 months
No Reward Expiration Period  
No Blackout Dates  
Rewards Rates Every Purchase
Signup Bonus Starting at $150
Rewards Type Cash Back
Cash Advance APR (Variable APR) 23.99% - 25.99%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 14.49% - 24.99%
Balance Transfer Fee % After Intro Period 5%
Balance Transfer Fee Intro Period 120 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 14.49% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Cashback
  • Zero Percent
Card Network Visa

Be the first to rate

 

Would you recommend Wells Fargo Cash Wise Visa Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

0%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Other Personal Credit Cards

Wells Fargo Bank Personal Credit Cards

Loading...