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Wells Fargo Cash Wise Visa Card

in Personal Credit Cards

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Wells Fargo Cash Wise Visa Card

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in Personal Credit Cards

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Overview

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:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Cellular Telephone Protection
  • Travel Assistance
  • Reports to major credit bureaus
  • 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.

    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

    Grace Period for Late Payment (Days) 25
    Annual Fee $0
    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%
    Minimum Age 18
    Co-signing Allowed  
    Credit Score Range 700 - 850
    850 300 700
    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
    Bonus Rewards 1.5x
    All Other Purchases 1.5x
    No Reward Expiration Period  
    Rewards Categories
    • Every Purchase
    Signup Bonus $200
    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)
    Introductory Rate 0%
    Balance Transfer APR (Variable APR) 14.49% - 26.49%
    Introductory Rate 0%
    Intro APR period (months) 12

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