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Wells Fargo Cash Wise Visa® Card

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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 $200 cash rewards for spending $1,000 on purchases in the first 3 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 Credit Scores. Overall, a good way to earn rewards every time you shop.

Card Quick Facts

0% intro APR for purchases and balance transfers for 12 months, then 16.24%–27.24% Variable
1.8% cash back rewards for the first 12 months for mobile wallet purchases
1.5% cash back rewards on other purchases
$200 cash rewards bonus for spending $1,000 in the first 3 months
Get bonus rewards and deals when you shop at Wells Fargo Earn More Mall^®
Cash rewards do not expire
No category limitations
Visa shopping and travel benefits
Free access to one of your FICO Credit Scores

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Card Details

Rewards

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

$200 cash back for spending $1,000 in purchases in 3 months

Card Stats

Annual Fee $0

Additional Cards Annual Fee -

Regular Purchase APR 16.24%–27.24% Variable

Intro Purchase APR 0% for 12 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 Up to $37

Returned Payment Fee Up to $37

Balance Transfers

Intro Balance Transfer APR 0% for 12 months (for transfers made within 120 days)

Regular Balance Transfer APR 16.24%–27.24% Variable

Balance Transfer Fee 3%, $5 minimum for 4 months; after that, 5%, $5 minimum

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

How balance transfers work

Cash Advances

Cash Advance APR 26.24%–28.24% Variable

Cash Advance Fee 5%, $10 minimum

Borrowing cash on your credit 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.

How cash advances work

Card Benefits

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

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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.
Emergency Card Replacement and Cash Disbursement

Just call the number on the back of your card if you ever need it replaced in an emergency or need an emergency cash advance.

Zero Liability Protection

You are not responsible for unauthorized transactions when reported promptly.

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.

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Wells Fargo Cash Wise Visa Card

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