Wells Fargo Cash Wise Visa® Card Review – $200 Bonus and 1.5% Cash Back

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Overview

If you would like to earn steady cash back rewards for your regular purchases without dealing with rotating rewards categories, you need look no further than the Wells Fargo Cash Wise Visa® Card. The Wells Fargo Cash Wise Visa® Card is one such card which awards card members good cash back of flat 1.5% for everyday purchases, such as gasoline, groceries, furniture, utilities, etc. If you use mobile wallet such as Apply Pay or Google Pay, your cash back rewards increase to 1.8% on all purchases during the first 12 months of account opening.

The Wells Fargo Cash Wise Visa® Card also offers a $200 sign-up bonus along with no annual fee and a 0% introductory APR for purchases and balance transfers. Its sizable bonus and no-hassle cash back rewards make the Wells Fargo Cash Wise Visa® Card one of the most valuable credit cards to carry.

  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile 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% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 15.99%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
12 months
Regular APR
15.99% - 26.99% (Variable)
Annual Fee
$0

Card Benefits

$200 Cash Back Bonus

With the Wells Fargo Cash Wise Visa® Card, card members can earn a $200 cash back bonus just for using their card. You just need to spend $1000 with your card in the first 3 months after opening your account to qualify for the bonus. Earning the $200 bonus is like getting a 20% discount on your first $1000 in purchases and it’s an easy way to put more cash back in your pocket.

Rewards Program

On top of the new member bonus, you’ll earn cash back rewards everywhere you go. The card pays you unlimited 1.5% flat cash back on all purchases. You can also enjoy a higher cash rewards of 1.8% back on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening. The best part is, there are no rotating rewards categories for you to keep track of and your rewards never expire.

Additional Information

Interest and Fees

The Wells Fargo Cash Wise Visa® Card carries no annual fee, so it won’t cost you anything to earn cash back. As an added bonus, new members pay zero interest on purchases and qualifying balance transfers for the first 12 billing cycles which is great if you plan on making a large purchase or transferring a high interest balance to the card. After the intro period ends, the go-to rate of 15.99% - 26.99% (Variable) applies.

Required Credit Rating

The Wells Fargo Cash Wise Visa® Card is for people with good or excellent credit rating. If your credit score is close to or above 700, you may be qualified for the credit card.

Is this the right card for you?

With no annual fee and an easy-to-manage rewards structure, the Wells Fargo Cash Wise Visa® Card is a great choice if you want to get more cash back on the things you buy every day.

Similar Credit Cards

If you are interested in the Wells Fargo Cash Wise Visa® Card, you may also consider a few other cash back credit cards with similar benefits.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

0% intro APR
for 12 billing cycles

15.24% - 25.24% Variable APR after that

0% intro APR
for 12 billing cycles for balance transfers made in the first 60 days

15.24% - 25.24% Variable APR after that

$0

Excellent / Good CreditLearn MoreView Card Details
  • No annual fee
  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store
Capital One® Savor® Cash Rewards Credit Card

16.24% - 25.24% (Variable) APR

16.24% - 25.24% (Variable) APR

$0 intro for first year; $95 after that

Excellent, Good CreditLearn MoreView Card Details
  • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
HSBC Cash Rewards Mastercard®

14.99%, 18.99% or 24.99% Variable* APR

Rates & Fees

0% intro APR
for 15 months

14.99%, 18.99% or 24.99% Variable* APR after that

$0

Excellent, Good CreditLearn MoreView Card Details
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.99%, 18.99% or 24.99% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Capital One® Quicksilver® Cash Rewards Credit Card

0% intro APR
for 15 months

14.74% - 24.74% (Variable) APR

0% intro APR
for 15 months

14.74% - 24.74% (Variable) APR

$0

Excellent, Good CreditLearn MoreView Card Details
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Capital One® SavorOne℠ Cash Rewards Credit Card

0% intro APR
for 15 months

14.74% - 24.74% (Variable) APR

0% intro APR
for 15 months

14.74% - 24.74% (Variable) APR

$0

Excellent, Good CreditLearn MoreView Card Details
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
  • No annual fee
  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store
  • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.99%, 18.99% or 24.99% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
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