Wells Fargo Cash Wise Visa® Card Terms and Conditions

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Wells Fargo Cash Wise Visa® Card Terms and Conditions

Wells Fargo Cash Wise Visa Platinum® Card Terms and Conditions

You agree that we may consider you for a Visa Signature credit card if you qualify. If you opened a Wells Fargo Credit Card within the last 15 months, you may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers. See important exclusions below (on page 2 if printed).


Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

0.00% introductory APR for 15 months from date of account opening.

After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.

Annual Percentage Rate (APR) for Balance Transfers

0.00% introductory APR for 15 months from date of account opening.

After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate. A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR. 

APR for Cash Advances and Overdraft Protection Advances

23.99% to 25.99%, based on your creditworthiness.

This APR will vary with the market based on the U.S. Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.


Annual Fee


Transaction Fees


  • Balance Transfers

Introductory 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 Advances

Either $10 or 5% of the amount of each advance, whichever is greater.

  • Overdraft Protection Advances

$12.50 if the total of overdraft protection advances for the day is $50 or less;
$20 if the total of overdraft protection advances for the day is greater than $50.

  • Foreign Currency Conversion Fee

3% of each transaction converted to U.S. dollars.

Penalty Fees


  • Late payment

Up to $37

  • Returned Check or Returned Payment

Up to $37

How we will calculate your balance

We use a method called "average daily balance (including new purchases)".

Eligibility for introductory rate(s), fees, and bonus rewards offers

You may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers if you opened a Wells Fargo Credit Card within the last 15 months from the date of this application and you received introductory APR(s), fees, and/or bonus rewards offers, even if that account is closed and has a $0 balance.

You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months. We may also limit the total number of open Wells Fargo credit card accounts you have.

Credit limit reallocation

If you have a credit card with Wells Fargo, have no current balance on that card and have not used your card for any purpose in the past six months and you are applying for an additional card, you agree to allow Wells Fargo to allocate your credit limits between your existing and new credit card accounts, to allow for use of both cards.  Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions.

How we will calculate your variable APRs

  • Unless an introductory or promotional APR is in effect, we will add a “Margin” to the U.S. Prime Rate to determine your standard variable APR. For each billing period we will use the U.S. Prime Rate, or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. If the U.S. Prime Rate is not published or is otherwise unavailable, whether temporarily or permanently, we will select a substitute index that we believe, in our sole discretion, to be similar to the U.S. Prime Rate. The U.S. Prime Rate is 3.25 percentage points as of 10/31/2020.
  • The "Margin" for purchases and balance transfers will be 11.24 to 21.74 percentage points, based on your creditworthiness.
  • The "Margin" for cash advances and overdraft protection advances will be 20.74 to 22.74 percentage points, based on your creditworthiness.

Wells Fargo reserves the right to change terms, rates (APRs) and fees, at its discretion in accordance with the Consumer Credit Card Customer Agreement and Disclosure Statement ("Agreement") for your account and applicable law. 

You may not qualify for the lowest APRs disclosed above. The APRs applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us.

Application of payments

Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances). Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones.

Overdraft protection

If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. If you have a joint checking account, you will be responsible for all advances, including interest and charges, from your credit card to cover overdrafts, regardless of who writes the check, makes the debit card purchase, or engages in any other transaction that causes the overdraft. Depending on your account terms, an Overdraft Protection Advance Fee may be charged to your Account each day an Overdraft Protection Advance is made, and interest will accrue from the date each advance is made. Your credit card must be activated; if it is not activated, no money will transfer to cover the overdraft. Once your credit card has been activated, please allow up to 3 business days for your Overdraft Protection service to be fully enabled. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. There may be other options available to protect against overdraft that may be less costly. Please visit https://www.wellsfargo.com/checking/quickstart/overdraft-services/ for details.

Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask for your driver's license or other identifying information.

Consent to contact you

By providing us with any telephone number, you are expressly consenting permission to contact you at that number about all of your Wells Fargo accounts. You give consent to allow us to contact your past, present and future phone service providers to verify the information you have provided against their records. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records. For us to service your Account or to collect any amounts you may owe, you agree that we may contact you using any contact information related to your Account including any number (i) you have provided to us (ii) from which you called us, or (iii) which we obtained and reasonably believe we can reach you. We may use any means to contact you and this may include contact from companies working on our behalf to service your accounts. This may include automated dialing devices, prerecorded/artificial voice messages, mail, e-mail, text messages, and calls to your cell phone or Voice over Internet Protocol (VoIP) service, or any other data or voice transmission technology. You are responsible for any service provider charges as a result of us contacting you. You agree to promptly notify us if you change any contact information you provide to us. This includes your name, mailing address, e-mail addresses, or phone numbers. If you have a joint Account, a notice to one of you will serve as a notice to both of you.

Notice to Ohio residents

The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to married Wisconsin residents

If you are married, by submitting your credit card application you are confirming that this credit card obligation is being incurred in the interest of your marriage and your family. No provision of any marital property agreement (pre-marital agreement), unilateral statement under 766.59 of the Wisconsin Statutes, or a court decree under 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decrees or has actual knowledge of the adverse provision. If the credit card for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has been extended to you.

Application agreement

This application is for a credit card with Wells Fargo Bank, N.A. You certify that all information provided is true, correct, and complete and that you have the legal capacity to enter into this contract. The Bank is authorized to verify or check any of the information given, to obtain credit reports on you and to make Overdraft Protection advances if you requested that feature.  You authorize the Bank to obtain information from others to investigate your credit, employment and income history and state records including state employment security agency records and to report information regarding your account to consumer reporting agencies. You agree that the Bank will determine the amount of credit extended, as well as which product you qualify for, based on the Bank's review criteria. If you do not qualify for the product or pricing requested or for the lowest pricing offered, you authorize the Bank to grant you the product and pricing for which you do qualify. You agree to be bound by the terms and conditions of the Agreement, which will be sent to you, and understand that the terms of your account may be changed at any time, subject to applicable law. You hereby stipulate to the terms of the arbitration program described in the Agreement. You understand and agree that you will be liable for payment of all amounts owing on the account. The minimum credit limit, provided you meet the terms and conditions of this offer, is $1,000.00.

A consumer report from consumer reporting agencies will be obtained in considering this application and for the purposes of any update, renewal, extension of credit, review or collection of the account. Upon request, we will inform you of the name and address of each consumer reporting agency from which we obtain a consumer report relating to you. If you are a married applicant you may apply for credit in your own name.

Eligibility is limited to citizens and permanent resident aliens of the U.S. with a valid Social Security Number without restrictions or an Individual Taxpayer Identification Number (ITIN). 

Important notice

Please call to activate your new card as soon as you receive it. If you do not do so, your requests for certain services such as balance transfers, Wells Fargo Online banking and ATM access may be delayed and you may be denied access to your account.

This information about the cost of the credit card account described in this disclosure is accurate as of August 2020. This information may have changed after that date. To find out what may have changed, call 1-800-642-4720.

Important offer details

$150 bonus notice

To qualify for the $150 cash rewards bonus, a total of at least $500 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus cash rewards will show as redeemable within 1 - 2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum to the Go Far® Rewards Program Terms and Conditions for details.

Important offer details

You will earn an additional 20% digital wallet transaction bonus cash reward above the base earn of 1.5% on net purchases (purchases minus returns/credits) only, for a total of 1.8% cash rewards during the first 12 months from the date the account is opened. These bonus cash rewards are only earned on transactions originating from your Wells Fargo Cash Wise Visa® Card when transactions are made using a qualified digital wallet (for example, Apple Pay® or Google Pay™). All other transactions will be processed at the base earn rate of 1.5%. To review the digital wallets that qualify for the 20% digital wallet bonus, go to wellsfargo.com/cashwisewallet.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.

Cellular telephone protection

Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with a maximum benefit limit of $600 per claim and $1,200 per 12 month period. This benefit does not cover cell phones that are lost (i.e. disappear without explanation). This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner's, renter's, automobile, or employer's insurance policies) and may be applied after all other insurance. For complete coverage benefits and exclusions regarding this protection, go to www.wellsfargo.com/ctp.

Note: Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection.

Summary of the Go Far®Rewards Program Terms and Conditions and Addendum for the Wells Fargo Cash Wise Visa Platinum® Card

Effective: October 1, 2020

  1. In this summary, You will find the following terms:

    • "You," "Your," or "Customer" means each person who owns a Wells Fargo rewards-based Credit Card and participates in its Go Far® Rewards ("Program"), according to Our records.
    • "Wells Fargo," "We," "Us," or "Our" mean Wells Fargo Bank, N.A.

    Additional Defined Terms


    Addendums go with these Program Terms and Conditions and give specific Terms and Conditions for Your Wells Fargo rewards-based Credit Card. The Addendum may also address Rewards expiration and forfeiture,and annual earning maximums.

    Credit Card

    An eligible Wells Fargo Credit Card that participates in the Go Far® Rewards Program.

    Rewards Account

    An account within the Rewards Program that holds, calculates and/or collects Rewards.


    The following items that You can earn by participating in the Program:
          •  Cash Rewards (including Rebates which will be earned as Cash Rewards)
          •  Points

  2. The Program Terms and Conditions and Addendum(s) represent the Program’s complete terms (collectively "Terms"), including any additional terms and conditions that We reference within these Terms and any promotional terms and conditions for earning bonus Rewards. This Program is not available for products, promotions, or offers unless specifically allowed.  Rewards only have cash value when You redeem them.
  3. By participating in this Program, You agree to these Terms and acknowledge that You must also consent to certain agreements for online use of Your account.
  4. You can earn unlimited Cash Rewards, unless We tell You otherwise.  You earn one and a half cent ($.015) Cash Rewards for every $1 You spend with this Credit Card for net purchases (purchases minus returns/credits). We round the amount to the nearest one cent. You may also earn bonus Cash Rewards for promotions or offers connected to Your Credit Card account. We will let You know the terms and conditions for earning bonus Cash Rewards when We have a promotion or offer for Your Credit Card. There may be a limit on bonus Cash Rewards.
  5. You do not earn Cash Rewards on some transactions.  Examples of transactions which do not earn Cash Rewards:

    Cash Advances and Equivalents of Any Kind

    ATM transactions, cash advances, traveler’s checks, money orders, pre-paid gift cards, SUPERCHECKSTM, wire transfers

    Balance Transfers

    Balance Transfers, SUPERCHECKSTM

    Disputes, Illegal Actions, and Violations

    Disputed or illegal purchases, purchases that violate the terms of Your Credit Card account agreement or the Go Far® Rewards Program Terms and Conditions or Addendum

    Fees and Interest of Any Kind

    Fees or interest posted to Your Credit Card account such as returned payment fees, late fees, monthly or annual fees

    Gambling Transactions of Any Kind

    Bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off-track wagers

  6. If You return a purchase or get a credit from a disputed purchase, these situations may reduce or eliminate Cash Rewards You have earned and may cause a negative Cash Rewards balance. Deducted Cash Rewards will appear in Your Rewards Account in 1 to 2 billing periods.
  7. Cash Rewards do not expire while this Credit Card account is open.
  8. You can earn Rewards in a variety of ways, including purchases made with Your Credit Card at qualifying merchants, with other promotions or offers, or through the Earn More Mall® site. You can also earn Rewards not based on any of Your Credit Card activity such as transfers or gifts.
  9. You can redeem Your Rewards for a variety of uses that include cash redemption options, charitable donations, merchandise, physical and electronic gift cards, or travel.
  10. Cash redemption options by phone or online are redeemable in $25 Cash Reward increments only and can be done either by automatically applying it to Your eligible Wells Fargo Checking or Savings accounts, or Wells Fargo credit products that are qualified to receive cash redemptions, or by requesting a paper check. Cash redemptions via a withdrawal from a Wells Fargo ATM or a Rewards redemption to an eligible Wells Fargo account from a Wells Fargo ATM are redeemable in $20 Cash Reward increments only. You must have a Wells Fargo Debit or ATM card in order to redeem Rewards at a Wells Fargo ATM.
  11. We can change the Terms and change, suspend, or terminate any part of the Program at any time and for any reason. These changes may prevent You from earning and/or using Rewards, decrease Rewards value, or cause You to lose Rewards. We will notify You in advance in writing when We make material changes to Your Terms or Program. You must redeem Your Rewards within three months from the date We notify You of the discontinuation. You will lose any unredeemed Rewards remaining after the three-month period.
  12. We can immediately suspend or disqualify You from the Program, in whole or in part, at any time and for any reason. We will suspend or disqualify You from the Program if You violate these Terms or Your Credit Card terms and conditions, engage in fraud or suspected fraud or someone associated with Your account does so, misuse or gaming the Program or if You take another similar action, according to Us in Our sole discretion. If We suspend or cancel Your Program, this action may prevent You from earning and/or using Rewards, decrease Rewards value, cause You to lose Rewards, and/or require Us to close Your Credit Card.
  13. A Credit Card becomes delinquent when You do not make a required payment by its due date. When this happens, Your ability to earn and redeem Rewards changes until the Credit Card is not delinquent or closes.  The Rewards associated with that Credit Card are not available for redemption, transfer or gifting.
  14. You may cancel Your Cash Rewards Program at any time by calling Us at the number listed on the back of Your Credit Card. You may continue to use Your Credit Card if You follow the Credit Card's terms and conditions.
  15. These Terms are only a summary. Other restrictions and requirements apply. The full Go Far Rewards Program Terms and Conditions and Addendum for the Wells Fargo Cash Wise Visa Platinum® Card will be provided upon enrollment. You can also find the most current Go Far Rewards Program Terms and Conditions online at GoFarRewards.wf.com.
Ready to apply for the Wells Fargo Cash Wise Visa® Card? Apply Now
You can also apply in person at a Wells Fargo location near you.