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. 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.
What are the relevant APRs?
Wells Fargo Cash Wise Visa Card has a variable purchase APR that ranges from 14.49% up to 26.49%.
The card has a variable balance transfer APR that ranges from 14.49% up to 26.49%.
It also has a variable cash advance APR that ranges from 25.49% up to 27.49%.
Is an introductory APR offer available?
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.
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:
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:
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.
420 Montgomery Street
San Francisco, CA 94104 USA
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|Grace Period for Late Payment (Days)||25|
|No Annual Fee|
|Late Payment Penalty||$37|
|Returned Payment Fee||$37|
|Minimum Interest Charge||$1|
|Balance Transfer Fee %||3%|
|Balance Transfer Fee Minimum||$5|
|Foreign Currency Transaction Fee||3%|
|Credit Score Range||
700 - 850
850 300 700
|Immigration Status Considered||
|Employment Statuses Considered||
|Supported Income Types||
|Car Rental Insurance|
|Credit Card Benefits||
|All Other Purchases||1.5x|
|No Reward Expiration Period|
|Purchase APR (Variable APR)||14.49% - 26.49%|
|Cash Advance APR (Variable APR)||25.49% - 27.49%|
|Balance Computation||average daily balance (including new purchases)|
|Balance Transfer APR (Variable APR)||14.49% - 26.49%|
|Intro APR period (months)||12|
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