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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) 16.24% - 28.24%
Balance Transfer APR  (Variable APR) 16.24% - 28.24%
Credit Score Range 700 - 850

Wells Fargo Cash Wise Visa Card Review

Wells Fargo Cash Wise Visa Card is a cashback credit card issued by Wells Fargo Bank. 

Good credit. This card is designed for people with good credit. The minimum credit score to apply is 700.

Accepts cosigners. Wells Fargo Bank is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

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.

Is there a Wells Fargo Cash Wise Visa Card cash back or 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.

Wells Fargo Cash Wise Visa Card Rewards
Rewards rate (all purchases) 1.5%
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) $200
Signup Bonus Spend Requirement $1000

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
  • Fraud Liability
  • Travel Accident Insurance
  • Cellular Telephone Protection
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

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

Wells Fargo Cash Wise Visa Card has a variable purchase APR that ranges from 16.24% up to 28.24%. The card has a variable balance transfer APR that ranges from 16.24% up to 28.24%.

It also has a variable cash advance APR that ranges from 25.49% up to 27.49%.

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 12 months.

This card does offer an introductory APR rate on new purchases of 0% for a period of 12 months.

Wells Fargo Cash Wise Visa Card Rates & Terms
Purchase APR 16.24% - 28.24%
Balance Transfer APR 16.24% - 28.24%
Cash Advance APR 25.49% - 27.49%

What are the Wells Fargo Cash Wise Visa Card fees?

No Annual Fee. Wells Fargo Cash Wise Visa Card does not charge an annual fee.

3% Foreign transaction fees. 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.

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 $37
Late Payment Fee $37

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for Wells Fargo Cash Wise Visa Card

  • Visit the Wells Fargo Bank website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • 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.
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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

No Interest Grace Period for Late Payment 25
Annual Fee $0
No Annual Fee  
Returned Payment Fee $37
Minimum Interest Charge $1
Late Fee Amount $37
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
Foreign Currency Transaction Fee 3%
Minimum Age 18
Co-signing Allowed  
Credit Score Range 700 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Extended Warranty  
Fraud Liability  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Every Purchase
Bonus Rewards $200 cash rewards bonus when you spend $1,000 in purchases in the first 3 months
No Reward Expiration Period  
Signup Bonus $200
Purchase APR (Variable APR) 16.24% - 28.24%
Cash Advance APR (Variable APR) 25.49% - 27.49%
Balance Computation average daily balance (including new purchases)
Introductory Rate 0%
Balance Transfer APR (Variable APR) 16.24% - 28.24%
Introductory Rate 0%
Intro APR period 12

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