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Wells Fargo Cash Wise Visa® Credit Card

Wells Fargo Cash Wise Visa® Credit Card


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Your Rating:

3.8/5.0 from 55 Offer Ratings
Over the Past 60 Days!

(55) Over the Past 60 Days!

  • Regular Purchase APR 13.24%-25.24% (Variable)
  • Intro Purchase APR 0% for 15 months
  • Intro BT APR 0% for 15 months
  • Annual Fees $0
  • Credit Needed


  • Card Brand Visa

Card Details


  • Click "APPLY NOW" to apply online
  • NEW: Unlimited 1.5% cash rewards on everyday net purchases
  • 0% Intro APR for 15 months on purchases and balance transfers
  • No category restrictions or quarterly sign ups and cash rewards don't expire as your account remains open
  • Enjoy 1.8% cash rewards on Android Pay™ or Apple Pay™ mobile wallet net purchases during the first 12 months from account opening
  • Flexible cash back redemption options at Wells Fargo ATMs or direct deposit into your checking or savings account when you are a Wells Fargo customer
  • Account protections such as 24/7 fraud monitoring, rapid alerts & zero liability protection
  • No annual fee

Card Fees

Foreign Transaction Fee 3%

Balance Transfer Fee 3% Intro for 15 months, then 5%

Cash Advance Fee 5%

Ongoing Information

Rewards Cap No cap

Rewards Rate Unlimited 1.5% cash rewards on everyday net purchases

Annual Fee $0

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program No

Roadside Assistance Yes

Purchase Protection No

Travel Assistance Yes

Flight Accident Insurance Yes

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

If you're looking for a solid cash back rewards card that won't tie you down with rotating categories or rewards limits, the Wells Fargo Cash Wise Visa Credit Card is a great option. This card comes with unlimited 1.5% cash back on all of your purchases. There are no quarterly sign ups, and your cash rewards will never expire as long as your account is open.

If you enjoy using your mobile wallet to make purchases then you'll love the Wells Fargo Cash Wise Card. For the first 12 months you'll receive 1.8% cash rewards on all  Apple Pay or Android Pay transactions! This card even comes with 0% intro APR for 15 months on purchases and balance transfers. That makes it a great card if you need to finance a big purchase or want to pay off your other credit card debt. 

There is no annual fee with this credit card, so you won't have to pay a fee to earn great rewards. Cardholders will also receive complimentary account protections like 24/7 fraud monitoring and zero liability protection. The ongoing APR is 13.24% - 25.24% (Variable) depending on your creditworthiness.

Expert Reviews of the Wells Fargo Cash Wise Visa® Credit Card

  • 3.0

    Regular APR

  • 4.0

    Intro APR

  • 4.0


  • 5.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

With a long intro APR, a generous rewards program, and no annual fee, this is a great card all-around credit card that can be helpful for any consumer.

The Good

This is the only card that we know of that offers bonus rewards for purchases with Apple Pay and Android Pay. If you use these mobile wallets a lot, this is a fantastic card for earning cash back!

The Not so Good

The bonus cash back with mobile wallets is only offered for the first 12 months.

Editorial Note: This content is not provided by Wells Fargo. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by Wells Fargo.

Consumer Reviews

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Offer Rating


55 Total Ratings

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