Wells Fargo Cash Wise Visa Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 05/14/2026
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Wells Fargo Cash Wise Visa Card
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from Wells Fargo Bank
Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
14.49% - 24.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
14.49% - 24.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$0
Wells Fargo Cash Wise Visa Card Review
Wells Fargo Cash Wise Visa Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This 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.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 15 months.
- Signup bonus. Offers a signup bonus of up to $150.
- APRs: Wells Fargo Cash Wise Visa Card has a variable regular 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 cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Wells Fargo Cash Wise Visa Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $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 up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Wells Fargo Cash Wise visa card
| The Good | The Bad |
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Wells Fargo Cash Wise visa card FAQ
Does Wells Fargo Cash Wise visa card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- No blackout dates when redeeming miles
- Travel Assistance
- 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 regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular 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 intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.49% - 24.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 120 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Wells Fargo Cash Wise visa card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 15 months.
What are the fees for Wells Fargo Cash Wise visa card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Wells Fargo Cash Wise visa card have a foreign transaction fee?
Wells Fargo Cash Wise visa card charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for Wells Fargo Cash Wise visa card?
The customer service number for Wells Fargo Cash Wise visa card is (800) 877-4833.
What is the support contact email for Wells Fargo Cash Wise visa card?
The support contact email for Wells Fargo Cash Wise visa card is corporateresponsibility@wellsfargo.com.
How do people rate the customer service and user experience of Wells Fargo Cash Wise visa card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Wells Fargo Cash Wise Visa Card report your account activity to credit bureaus?
Yes, Wells Fargo Cash Wise Visa Card reports to the following credit bureaus:
- 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 build your credit.
Does Wells Fargo Bank perform a hard credit pull?
Yes, Wells Fargo Cash Wise visa card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Wells Fargo Cash Wise visa card
- Visit the website of Wells Fargo Cash Wise visa card.
- 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 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.
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Other Credit Cards from Wells Fargo Bank
Purchase APR
24.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.24% - 25.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 25.24%
Disclaimer popup with additional information
Credit Score Range
Starting at 670
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.49% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 29.74%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.49% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 29.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$95
Rating not yet determined
Purchase APR
17.24% - 25.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 25.24%
Disclaimer popup with additional information
Credit Score Range
Starting at 700
Annual Fee
$0
Rating not yet determined
Purchase APR
19.74% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 29.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$99
Rating not yet determined
Purchase APR
19.74% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 29.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.74% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 29.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.74% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
20.74% - 29.74%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$95
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
+33
-1000+100
No one recommends
Everyone recommends
Wells Fargo Cash Wise Visa Card Community Reviews
Would you recommend Wells Fargo Cash Wise Visa Card to your friends?
IC
Isa C.
May 4, 2022
May or may not recommend
I would recommend this card! I already had a checking and saving account, so I decided to open my first credit card with Wells Fargo. The Cash Wise card was what was recommended to me because of my experience. I found it very easy to use, and the Wells Fargo app is simple to navigate. I also like the cash back reward feature.
MF
Molly F.
Jul 9, 2021
May or may not recommend
I probably wouldn't have used this card if I didn't already bank with Wells Fargo. It's an okay credit card, the cash back really being the only "perk" you'll get out of it. It has a decent APR and the fact that there's no annual fee is nice. If you bank with Wells Fargo already, it's convenient to have many of your finances centralized in the hub of their website ...Show More
Sara D.
Dec 8, 2020
May or may not recommend
The Wells Fargo Cash Wise Visa Card is just an okay credit card. It has decent cash back reward points and because it is Visa it is accepted almost anywhere. If you bank with Wells Fargo this card might be better for you. I used this card for the Cash Back Bonus. Redeeming the cash back was very difficult - it could only be done in increments of $25 and ...Show More
Showing 3 of 3 reviews
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