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
Cast your vote

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

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

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

  • Earn a rewards rate of up to x. This is higher than the average reward rate
  • 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 15.74% up to 27.74%.
  • 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. 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 rental insurance, emergency support, travel accident insurance, travel assistance, 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 and 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.
  • Offers auto rental collision damage waiver.
  • Travel accident and travel assistance insurance.
  • Earn rewards on every purchase.
  • 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.

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 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 15.74% - 27.74%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 15
Balance Transfer Fee % 3%
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?

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

  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 (%) 5%
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
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
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
Card Type
  • Balance Transfer
  • Cashback
  • Zero Percent
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
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
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 $150
Cash Advance APR (Variable APR) 25.74% - 27.74%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 15.74% - 27.74%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 15.74% - 27.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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)

Other Personal Credit Cards

Deserve Edu Mastercard for Students
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

1 Reviews

OpenSky Secured Visa
Mostly recommended

6 Reviews

Wells Fargo Bank Personal Credit Cards

Product

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

Rewards Rates

Wells Fargo Platinum Visa

Wells Fargo Platinum Visa

Rating not yet determined

2 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Balance Transfer APR 16.49% - 25.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 640 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.49% - 25.99%
(Variable APR)
    0% 36% Variable APR
Rewards Rates N/A Rewards Rates
Dillard's Credit Card

Dillard's Credit Card

Rating not yet determined

1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 24.49% - 26.49%
(Variable APR)
    0% 36% Variable APR
Rewards Categories
  • Retail
Wells Fargo Cash Back College Visa Card

Wells Fargo Cash Back College Visa Card

5
3
2
10 total votes
Balance Transfer APR 12.65% - 22.65%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 500 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 12.65% - 22.65%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
  • Drug Store Purchases
  • 1% on Every Purchase
  • 1% - 3% on Gas
  • 1% - 3% on Groceries
Show More
Wells Fargo Visa Signature Card

Wells Fargo Visa Signature Card

Rating not yet determined

1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Balance Transfer APR 14.24% - 27.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 14.24% - 27.24%
(Variable APR)
    0% 36% Variable APR
Rewards Categories
  • Airfare
  • Drug Store Purchases
  • Every Purchase
  • Gas
  • Groceries
  • Retail
  • Travel
Show More
Shaw Credit Card

Shaw Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 28.99% Maximum Variable APR
Rewards Rates N/A Rewards Rates
Micro Center Insider® Credit Card

Micro Center Insider® Credit Card

Rating not yet determined

1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Maximum Purchase APR 28.99% Maximum Variable APR
Rewards Rates N/A Rewards Rates
Wells Fargo Cash Back College Card

Wells Fargo Cash Back College Card

Be the first to rate

Balance Transfer APR 12.90% - 22.90%
(Variable APR)
    5% 29% Variable APR
Credit Score Range N/A Credit Score Range
Annual Fee $0 Annual Fee
Purchase APR 12.90% - 22.90%
(Variable APR)
    0% 36% Variable APR
Rewards Categories
  • Drug Store Purchases
  • Every Purchase
  • Gas
  • Groceries
Show More
Wells Fargo Rewards Visa Card

Wells Fargo Rewards Visa Card

Be the first to rate

Balance Transfer APR 18.24% - 27.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 640 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 18.74% - 27.74%
(Variable APR)
    0% 36% Variable APR
Rewards Categories
  • Drug Store Purchases
  • Every Purchase
  • Gas
  • Groceries
Show More
Kirkland's Credit Card

Kirkland's Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Maximum Purchase APR 28.99% Maximum Variable APR
Rewards Rates N/A Rewards Rates
Wells Fargo Propel American Express® Card
Balance Transfer APR 14.99% - 26.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 14.99% - 26.99%
(Variable APR)
    0% 36% Variable APR
Rewards Categories
  • Airfare
  • Car Rentals
  • Gas
  • Home Improvement Purchases
  • Hotels
  • Internet / Cable / Phone Services
  • Restaurants
Show More