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Wells Fargo Cash Wise Visa® card

Wells Fargo Cash Wise Visa® card


Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 61 Offer Ratings
Over the Past 60 Days!

(61) Over the Past 60 Days!

  • Regular Purchase APR 15.49%-27.49% (Variable)
  • Intro Purchase APR 0% for 15 months
  • Intro BT APR 0% for 15 months on qualifying balance transfers
  • Annual Fee $0
  • Credit Needed


  • Card Brand Visa®

Card Details


  • Earn a $150 cash rewards bonus after spending $500 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® card
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • See Rates & Fees

Card Fees

Foreign Transaction Fee 3%

Balance Transfer Fee 3% for 120 days, then 5%

Cash Advance Fee See Terms

Ongoing Information

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® card is a great option. This card comes with unlimited 1.5% cash rewards on everyday net purchases. There are no quarterly sign ups, and your cash rewards will never expire as long as your account is open. To kickstart your rewards earning, cardholders will earn a $150 cash bonus after spending $500 in the first 3 months!

If you enjoy using your digital wallet to make purchases then you'll love the Wells Fargo Cash Wise Visa® card. For the first 12 months you'll receive cash rewards on all Apple Pay® or Google Pay™ transactions! This card even comes with an intro APR of 0% for 15 months on purchases and 0% for 15 months on qualifying balance transfers on qualifying 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 15.49%-27.49% (Variable) depending on your creditworthiness.

Expert Reviews of the Wells Fargo Cash Wise Visa® 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 Google Pay™. If you use these digital wallets a lot, this is a fantastic card for earning cash back!

The Not so Good

The bonus cash back with digital 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 may not have been reviewed, approved or otherwise endorsed by Wells Fargo.

Consumer Reviews

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Offer Rating


61 Total Ratings

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+60 users submitted a rating without a full review

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195 Found this review helpful

By: | Oct 11, 2017

Great card and customer service is u.s. based. No annual fee, there app works well, and it's a really good looking card. Simple cash back on every purchase. You don't get your bonus until the 90 days is over. I met the $ amount within the first week. Really happy with this one.

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