Wells Fargo Cash Wise Visa® Card

For People with
Good Credit



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.

Card Quick Facts

Card Quick Facts

  • 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

For People with
Good Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 1.8% cash rewards on Android 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
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 15.99%-27.99% Variable
Intro Purchase APR 0% for 15 months
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit $1,000
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee -
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 15 months on qualifying balance transfers
Regular Balance Transfer APR 15.99%-27.99% Variable
Balance Transfer Fee 3% for 120 days, then 5%
Cash Advances

Cash Advances

Cash Advance APR 25.99%-27.99% (Variable)
Cash Advance Fee 5%

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Zero Liability Protection

    You are not responsible for unauthorized transactions when reported promptly.

  • Emergency Card Replacement and Cash Disbursement

    Just call the number on the back of your card or customer support at 800-642-4720 if you need a new card or an emergency cash advance.

  • Cellular Telephone Protection

    Only available when your cell phone bills are paid with your Wells Fargo card. Provides coverage if your cell phone is damaged or stolen, less a $25 deductible. Up to $600 per occurrence, up to 2 occurrences per year.

  • Auto Rental Collision Damage Waiver

    Must decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most rental cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

  • Roadside Dispatch

    If you have a roadside emergency, call 1-800-847-2869 any time for help – anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.

  • Travel and Emergency Assistance

    Call for legal and medical referrals or other travel and emergency assistance. You will be responsible for the cost of any goods or services obtained. Available 24 hours a day, 365 days a year.

  • Travel Accident Insurance

    Provides $150,000 in coverage against death and dismemberment when traveling by common carrier.

Visitor Reviews

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Average rating:  
 1 reviews
by Josh
No Auto bill pay setup online for other banks

Unless you already have a Wells Fargo Checking or Savings account, you cannot set up automatic monthly payments on their website! If you go through all the help pages you'll find this out....you have to ask for a form, they mail it to you and send it back. Then you have to depend on them to set it up for you. And I'm sue you'll have to go through that whole last century process any time you want to make changes to your auto monthly payment. This can only be a purpose made maneuver on their part to exert pressure/force you to have to start banking with them. And if they don't get that desired end I'm sure that they've calculated that they will make some nice coin on late payment fees from people who came from modern card companies that make it easy to set up auto payments. In the end, they've created this lack of an auto payment option purposely to either a.) manipulate people into starting bank accounts with them or worse b.) to take advantage of people. If you are already banking with wells Fargo this is probably an OK card, but otherwise steer clear.

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