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Ad Disclosure

Wells Fargo Cash Wise Visa Card Review

Wells-Fargo-Cash-Wise-Visa-Card

Rating: 5 Stars

Bottom Line:
Cash Back and Pay Off Debt

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

TABLE OF CONTENTS

  • Card Details
  • Offer Highlights
  • Is Wells Fargo Cash Wise Visa Card worth it?
  • Pros
  • Cons
  • Why 5 Stars?
  • Regular APR
  • Intro APR
  • Fees
  • Perks
  • Overall
  • Fees
  • Benefits

Card Details

Regular APR:15.49 – 27.49% (Variable)
Intro APR (Purchases):0% for 15 months
Intro APR (Balance transfers):0% for 15 months
Rewards Rate:1.5% cash rewards on everyday purchases

1.8% cash rewards earned on purchases when using a qualified mobile wallet, including Apple Pay? and Google Pay, during the first 12 months from account opening
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:None
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • $150 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • Unlimited 1.5% cash rewards on purchases
  • Our lowest possible intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • No rotating category restrictions or quarterly activations required to earn unlimited 1.5% cash rewards
  • Bonus rewards earning potential and deals at your favorite stores when you shop our Earn More Mall

Is Wells Fargo Cash Wise Visa Card worth it?

Wells Fargo Cash Wise Visa? is a great card for getting 1.5% cash back on everyday purchases with the option to pay off debt or purchases with 0% Intro APR for 15 months.

Cardholders get $150 cash rewards bonus when you spend $500 in purchases in the first 3 months. This is the same signup bonus as that of Capital One SavorOne Cash Rewards, which has unlimited 3% cash back on dining and entertainment and 2% on grocery stores. However, if you don?t spend on dining out, going out, or have high spend on groceries, Capital One? SavorOne? will not bring you value.

Plus with Wells Fargo Cash Wise Visa, you can set up automatic redemption, which allows you to set a designated amount to be redeemed automatically and set your preferred method of cash back redemption, such as a deposit, paper check, or cash via a withdrawal from a Wells Fargo ATM. You can also redeem and apply your Rewards to another Wells Fargo customer’s account as a deposit into a checking or savings account or as a credit to a Wells Fargo credit product, such as a loan.

Other cards offer slightly higher unlimited cash back, like Citi Double Cash or Fidelity Rewards Visa Signature, but the $150 signup bonus that only requires $500 in spend is what makes Wells Fargo Cash Wise Visa? a great choice for most people.

Note that consumers have reported that setting up automatic monthly payments for accounts outside of Wells Fargo is a complicated process. Keep this in mind if you have very limited time. That said, if you’re looking for simple, flat-rate cash back and an easily attainable signup bonus, Wells Fargo Cash Wise Visa is a great card for you.

Pros

  • $150 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • Automatic redemption available
  • Unlimited 1.5% cash back on all purchases
  • 0% Intro APR on purchases and balance transfers

Cons

  • Other cards have higher unlimited cash back
  • The bonus cash rewards will show as redeemable within 1-2 billing periods following the end of the 3 month offer period, you will not receive the signup bonus as soon as you achieve the spending amount

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction Fee3%
Balance Transfer FeeIntroductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
Cash Advance FeeEither $10 or 5% of the amount of each advance, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with Wells Fargo Cash Wise Visa Card

Editorial Note: This content is not provided by the issuer. Any opinion, 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 the issuer.

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