Wells Fargo Cash Wise Visa® card Review – $150 Cash Rewards Bonus and 1.5% Cash Back

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Editorial Note: The editorial content on this page is prepared by CardBenefit staff. Opinions expressed herein are author's alone, not those of the bank, credit card issuer, airlines or hotels, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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 digital wallet such as Apple 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 $150 sign-up bonus along with no annual fee and a 0% introductory APR for purchases and qualifying 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 $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
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
15 months from account opening
Regular APR
14.49%-24.99% (Variable)
Annual Fee (Rates & Fees)
$0

Card Benefits

$150 Cash Back Bonus

With the Wells Fargo Cash Wise Visa® card, card members can earn a $150 cash back bonus just for using their card. You just need to spend $500 with your card in the first 3 months after opening your account to qualify for the bonus. Earning the $150 bonus is like getting a 30% discount on your first $500 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 purchases. You can also enjoy a higher cash rewards of 1.8% back on qualified digital 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

APR 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 introductory interest on purchases and qualifying balance transfers for the first 15 months from account opening which is great if you plan on making a large purchase or transferring a high interest balance to the card. After the introductory period ends, the go-to rate of 14.49%-24.99% (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 credit cards with similar benefits.

Credit CardBonus and RewardsAnnual Fee
Bank of America Cash Rewards Credit CardBank of America® Cash Rewards credit card
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • $0
    Citi Double Cash Card - 18 month BT offerCiti® Double Cash Card - 18 month BT offerEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.$0
    Costco Anywhere Visa Card by CitiCostco Anywhere Visa® Card by Citi
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • $0
    Citi Rewards+ CardCiti Rewards+® Card
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • $0
    Citi Premier CardCiti Premier® Card
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • $95
    Bank of America Travel Rewards Credit CardBank of America® Travel Rewards credit card
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • $0
    Chase Sapphire Preferred CardChase Sapphire Preferred® Card
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • $95
    Blue Cash Preferred Card from American ExpressBlue Cash Preferred® Card from American Express
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • $0 intro for first year, then $95
    Blue Cash Everyday Card from American ExpressBlue Cash Everyday® Card from American Express
  • Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • $0
    Chase Freedom UnlimitedChase Freedom Unlimited®
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • $0
    Chase Freedom FlexChase Freedom Flex℠
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
  • $0
    American Express Blue Business Cash CardAmerican Express Blue Business Cash™ CardEarn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.$0
    American Express Cash Magnet CardAmerican Express Cash Magnet® Card
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • $0
    Capital One Quicksilver Cash Rewards Credit CardCapital One Quicksilver Cash Rewards Credit Card
  • One-time $200 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
  • $0
    Capital One SavorOne Cash Rewards Credit CardCapital One SavorOne Cash Rewards Credit Card
  • Earn a one-time $200 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
  • $0

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