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Wells Fargo Cash Wise Visa Card

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About

The Wells Fargo Cash Wise credit card gives members 1.5% cash back on all purchases. If account holders pair the card with a digital wallet they gain 1.8% cash back. New accounts are eligible for up to $150 in bonus cash back if they spend $500 within 3 months of opening the account.

It is important to keep in mind that Wells Fargo agreed to a settlement with the Federal Government to the tune of $3 billion dollars for various consumer abuses the most heinous of which was opening accounts for customers without their knowledge. At this point in time it might be wise to avoid this financial institution although the company will be under higher scrutiny.

Annual Percentage Rate (APR)

Introductory Offer

Receive 15 months of no interest on all balance transfers and purchases.
Purchases and Balance Transfer APR: 14.49% to 24.99% determined by credit history
Cash Advance: 23.99% to 25.99%
Minimum Interest Charge: $1.00

Credit Card Fees

Annual: None
Balance Transfer: Intro rate the greater of $5 or 3% of the amount transferred within 120 days of account opening
Afterwards the greater of $5 or 5% of the amount transferred
Cash Advance: $10 or 5% of amount advanced whichever is greater
Late Payment: Up to $37
Foreign Transaction: 3%

Sign-up Bonus and Benefits

Receive a $150 bonus when you spend $500 within 3 months of opening the account.

Resources

Apply Online
Apply by Phone: 800-932-6736
Pay Your Bill Online
Customer Service Phone Number: 800-642-4720

 

User reviews

Average user rating from: 1 user(s)

Overall rating 
 
2.2
Interest Rate (APR) 
 
1.0  (1)
Fees 
 
5.0  (1)
Rewards 
 
0.5  (1)
Ratings (the higher the better)
  • Interest Rate (APR)
  • Fees
  • Rewards
Do You Recommend This Credit Card?
Is The Interest Rate Competitive
How Do You Like the Rewards
Comments
I do not recommend this card for the rewards program. Negative experience with trying to actually use the rewards check in the Walmart store.
Overall rating 
 
2.2
Interest Rate (APR) 
 
1.0
Fees 
 
5.0
Rewards 
 
0.5
Karen Frank Reviewed by Karen Frank June 09, 2014
Top 10 Reviewer  -   View all my reviews (1)

I do not recommend this card for the rewards program. Negative experience with trying to actually use the rewards check in the Walmart store.

Do You Recommend This Credit Card?

Yes
for savings on gas only

How Do You Like the Rewards

Check looks great until you go to store. They will charge you $3.00 to cash your $10 rewards card. They will not apply it towards your purchase even if purchase is over $10.00. Very disappointed in the experience. They refused to acknowledge that I was not cashing the check, but applying it towards my purchase of $70.00. Very disappointed.
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