Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa Card details
  • NEW: Online Only Promotion
    $200 cash rewards bonus if you spend $1,000 (net purchases) in first 3 months

  • Unlimited 1.5% cash rewards on net purchases

Great For

Card Features

  • Our lowest possible intro APR on purchases and balance transfers for 12 months
  • No category restrictions or quarterly sign ups to limit cash rewards earnings
  • Cash rewards that don’t expire while the account is open
  • Account protections such as 24/7 Fraud Monitoring, Rapid Alerts & Zero Liability Protection for promptly reported unauthorized transactions

Fees and Rates

Annual Fee

See the full Terms and Conditions .

Annual Percentage Rate (APR) on purchases

0.00% introductory APR for 12 months.
After that your APR will be 13.74% to 25.74%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.   
See the full Terms and Conditions .

Annual Percentage Rate (APR) on balance transfers

0.00% introductory APR for 12 months.
After that, your APR will be 13.74% to 25.74%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.
See the full Terms and Conditions .

Read the Wells Fargo Cash Wise Visa Card Agreement.

Credit card subject to credit qualification.

Generally, we will apply your minimum payment first to lower APR balances (such as purchases) before balances with higher APRs (such as cash advances).

Earn and Redeem Cash Rewards

Earn cash rewards:

  • 1.5% cash rewards on everyday net purchases
  • 1.8% cash rewards on Android PayTM or Apple Pay® mobile wallet net purchases during the first 12 months from account opening
  • No category limitations or quarterly activations
  • Extra rewards earning potential and deals at your favorite stores when you shop our Earn More Mall®

Redeem the way you want:

  • Cash rewards do not expire as long as your account remains open
  • Use our new online tool to set a cash redemption target and follow your cash rewards earnings progress via Cash Track at GoFarRewards.wf.com
  • Flexible cash redemption options include:
    • Use your Wells Fargo Debit or ATM card to redeem for cash at Wells Fargo ATMs ($20 increments)
    • Direct deposit into your Wells Fargo savings or checking account
    • Apply as a credit to your qualified Wells Fargo mortgage principal
  • Redeem via desktop, mobile, phone, ATM, or in-branch – cash redemption options available may vary

Account Security & Protections

Your Wells Fargo Cash Wise Visa card comes with account security features such as:

  • 24/7 Fraud Monitoring
  • Zero Liability Program to protect you from liability for unauthorized transactions when you report them promptly.
  • Chip technology for better protection against counterfeit fraud when used at a chip-enabled terminal.
  • Rapid Alerts to track purchases and receive notifications of irregular or suspicious activity.

Plus these additional features:

  • Cell Phone Protection helps protect your cell phone from damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card. Review the Visa Guide to Benefits (PDF) to learn more.
  • Auto Rental Collision Damage Waiver provides auto coverage for damage due to collision or theft. Review the Visa Guide to Benefits (PDF) to learn more.
  • Emergency Card Replacement and Cash Disbursement. Call the number on the back of your card when you need an emergency cash advance or a replacement card delivered to you.


What do I need to apply online and what information will you review?

To apply online, you’ll need a Social Security number and income information.

We review the information provided on your application and other information that bears on creditworthiness. 

What should I expect after I apply online?

Upon submitting the online application, you will receive the status of your application on the confirmation page and we will send you a confirmation email. If we are able to provide you an approval, the confirmation page and email will also display your credit limit. If we need more time to review your application, you will receive an application ID and a phone number that you can call to check your application status.

Do I need to sign up for Go FarTM Rewards?

This card automatically comes with Go Far Rewards and there is no need to sign up. 

How do I use my credit card for Overdraft Protection?

You must have a Wells Fargo checking account and a Wells Fargo credit card to use this optional service.

  • If you already have a Wells Fargo credit card, but you do not have a Wells Fargo checking account: apply for a checking account and select the Overdraft Protection box on the application. Subject to credit qualification.
  • If you already have a Wells Fargo checking account, call 1-800-642-4720 to enroll.

See more credit card FAQs

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 for the Visa Signature card. If you opened a Wells Fargo credit card within the last 16 months, you will not qualify for the introductory rate(s) or bonus rewards offers. See important exclusions on page 2.


Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
0.00% introductory APR for 12 months.
After that your APR will be 13.74% to 25.74%, 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 12 months.
After that, your APR will be 13.74% to 25.74%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.
APR for Cash Advances and Overdraft Protection Advances
24.74% to 26.74%, 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 12 months. 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) and bonus rewards offers
If you opened a Wells Fargo credit card account during the last 16 months from the date of this application you will not be eligible for the introductory APR(s) or bonus rewards offers, even if that account is closed and has a zero balance.

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 4.00 percentage points as of 05/28/2017.
  • The "Margin" for purchases and balance transfers will be 9.74 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. Please note that you may also be able to link your Wells Fargo Savings Account to your Wells Fargo Checking Account for Overdraft Protection. No interest is charged on overdraft protection transfers from your savings account; however, Overdraft Protection transfers from a Savings account count towards the Regulation D and Wells Fargo combined total limit of 6 transfers and withdrawals per monthly fee period. If the limit is exceeded, an Excess Activity fee for each transfer or withdrawal will be assessed. If the limit is exceeded on more than an occasional basis, your Savings account could be converted to a Checking account or closed.

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.

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 May 2017. This information may have changed after that date. To find out what may have changed, call 1-800-642-4720.

Important rewards notice

To qualify for the $200 cash rewards bonus, a total of at least $1,000 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 impact the credit line available for this offer. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and pre-paid 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 Wells Fargo Rewards® Program Terms and Conditions and Addendum to the Wells Fargo Rewards® Program Terms and Conditions for details.

Important digital wallet bonus notice

You will earn an additional 20% mobile 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 mobile wallet (for example, Apple Pay® or Android Pay™). All other transactions will be processed at the base earn rate of 1.5%. To review the mobile wallets that qualify for the 20% mobile wallet bonus, go to wellsfargo.com/cashwisemobilewallet.

Apple Pay and Touch ID are registered trademarks of Apple Inc. Android Pay is a trademark of Google Inc.

Cellular telephone protection

Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cellular wireless telephone. Eligible Cellular Wireless Telephones are limited to the primary line and up to the first three additional lines as listed on your provider's monthly statement. Cellular Telephone Protection is subject to a $25 deductible per claim and a maximum of 2 claims per 12 month period. The maximum benefit limit is $600 per occurrence and $1,200 per 12 month period. You will receive no more than the value of the original phone or a replacement phone with similar features and functionality, less a $25 deductible. This benefit does not cover cellular telephones that are lost. 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, 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 cellular telephone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cellular telephone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage you may have presently or in the future, such as your homeowner's or automobile insurance policies, or through a plan provided through the seller of the telephone. For complete coverage benefits and exclusions regarding this protection call 1-800-642-4720, 24 hours a day, seven days a week or go to wellsfargo.com/cellphone.

Please note that the offers displayed on this page may differ from offers you may have received from Wells Fargo. Please refer to your offer specific disclosures for more details.

Available to both citizens and permanent resident aliens of the U.S.

Minimum Monthly Payment

The minimum dollar amount that must be paid each month before the payment due date. The minimum payment amount may vary monthly depending on account activity; you may find your current minimum payment on your current monthly billing statement.

Credit Limit

Also known as credit line, this is the maximum amount you can carry as the balance on your credit card.

Annual Fee

A fee charged once a year for maintaining an account and for any special services. Be sure to check the terms and conditions of the account to see if an annual fee applies.

Annual Percentage Rate (APR)

The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance.

Balance Transfer

Allows you to use the available credit on one credit card to pay the balance on one or more credit lines or loans. While making a balance transfer may be beneficial to you, balance transfers also may have limitations and/or fees associated with them so please consult your account agreement before making a balance transfer.