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 16.24%-28.24% 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
- 16.24% - 28.24% (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 16.24% - 28.24% (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 Cards | Purchase APR | Transfer Info | Annual Fee | Credit Level |
|---|---|---|---|---|
| Bank of America® Cash Rewards credit card | 0% intro APR 16.24% - 26.24% Variable APR after that | 0% intro APR 16.24% - 26.24% Variable APR after that | $0 | Excellent / Good CreditLearn MoreView Card Details |
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| Capital One® Savor® Cash Rewards Credit Card | 16.74% - 25.74% (Variable) APR | 16.74% - 25.74% (Variable) APR | $0 intro for first year; $95 after that | Excellent, Good CreditLearn MoreView Card Details |
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| HSBC Cash Rewards Mastercard® | 0% intro APR 15.24%, 19.24% or 25.24% Variable* APR after that Rates & Fees | 0% intro APR 15.24%, 19.24% or 25.24% Variable* APR after that | $0 | Excellent, Good CreditLearn MoreView Card Details |
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| Capital One® Quicksilver® Cash Rewards Credit Card | 0% intro APR 16.24% - 26.24% (Variable) APR | 0% intro APR 16.24% - 26.24% (Variable) APR | $0 | Excellent, Good CreditLearn MoreView Card Details |
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| Capital One® SavorOne℠ Cash Rewards Credit Card | 0% intro APR 16.24% - 26.24% (Variable) APR | 0% intro APR 16.24% - 26.24% (Variable) APR | $0 | Excellent, Good CreditLearn MoreView Card Details |
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- No annual fee
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
- Now earn 3% cash back in your choice category and 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
- You can update your choice category for future purchases once each calendar month using the Mobile Banking app or Online Banking, or do nothing and it stays the same
- No expiration on rewards
- 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to balance transfers
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
- 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. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
- 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 an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
- 10% Anniversary Bonus on all Cash Rewards earned once a year.
- No Annual Fee.
- 0% Intro APR for 12 months on purchases and balance transfers, then a 15.24%, 19.24% or 25.24% 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; 16.24%-26.24% variable APR after that
- 0% intro APR on balance transfers for 15 months; 16.24%-26.24% 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; 16.24% - 26.24% variable APR after that
- 0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
