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Wells Fargo Cash Wise Visa® card

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Perhaps a good choice for people who prefer to pay from their phones, the no annual fee Wells Fargo Cash Wise Visa card offers 1.8% cash back on mobile wallet purchases for the first year and unlimited 1.5% back on all other purchases.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 14.49%-24.99% Variable
Intro Balance Transfer APR: 0% intro APR for 15 months on qualifying balance transfers
Intro Purchase APR: 0% intro APR for 15 months from account opening

Wells Fargo Cash Wise Visa® card

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


Spending Rewards
  • 1.8% cash rewards on Google Pay or Apple Pay mobile wallet purchases during the first 12 months after account opening
  • 1.5% cash rewards on every other purchase
Introductory Bonus
  • $150 cash back for spending $500 in the first 3 months

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% intro APR for 15 months on qualifying balance transfers
Regular Balance Transfer APR 14.49%-24.99% Variable
Balance Transfer Fee 3% for 120 days from account opening, then up to 5%; min: $5
How to Transfer a Balance on a Credit Card


Penalty APR None
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR Refer to Important Credit Terms
Cash Advance Fee See Terms
How to Get a Cash Advance with a Credit Card
Wells Fargo Cash Wise Visa® card


  • Earn a $150 cash rewards bonus after spending $500 on purchases in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • 1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
  • $0 annual fee
  • 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
  • No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
  • Select “Apply Now” to learn more about the product features, terms and conditions

Wells Fargo

Wells Fargo has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-642-4720 or

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The Wells Fargo Cash Wise Visa Card offers a steady 1.5% cash back on every purchase you make. No annual fee, and no bonus categories to worry about.

For the first 12 months, you’ll also earn 1.8% cash back on mobile wallet purchases, like Apple Pay and Google Pay.

There’s an introductory bonus of $150 cash rewards for spending $500 on purchases in the first three months after account opening.

You’ll also get a set of basic shopping and travel protections, and the ability to check up on one of your FICO Scores. Overall, a good way to earn rewards every time you shop.

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