Wells Fargo Cash Wise Visa Card Review With Pro And Cons – 17 Points

1. Wells fargo cash wise visa card is best for people who want simple but attractive rewards on everyday spending.

Pros:



Cons:



High Reward Rate (1.5 % on all purchase)

3% Foreign Transaction Fee

Sign Up Bonus ($200)

3%+ Balance Transfer Fee

Intro APR period on Purchases and qualifying Balance Transfers

$25 minimum redemption

Up to $600 worth of cell phone insurance when bill paid with card

Can only withdraw cash in increments of $20 by ATM or $25 by phone

No annual Fee

 

2. Sign-Up Bonus:

$200 if you spend $1,000 in first 3 months
1.8% cash back on Google Pay and Apple Pay purchases for first 12 months

3. Reward Rate:

1.5% unlimited cash back on all purchases

4. Annual Fee:

$0

5. Regular APR:

16.24%-28.24% (Variable)

6. Intro Apr:

0% for 12 Months

7. Bad for:

People who want to get reward rate of more than 2 %.

8. Credit Needed:

Good/Excellent 690 – 850

9. Good For:

People who shop at many different stores

10. Customer Experience:

24/7 customer service?:
Yes
Online chat available?:
Yes
Google Play Store mobile app rating:
4.4/5
Apple Store mobile app rating:
4.8/5

11. Other Benefits:

Extended warranty
Purchase protection
Baggage delay insurance
Lost baggage insurance
Visa Signature concierge
Up to $600 cell phone protection

12. Foreign Transaction Fee:

3%

13. Cash Advance Fee:

5%

14. Penalty APR:

None

15. Go for Wells Fargo Cash Wise Visa Card:

If you are looking for simple card with flat cash back on purchase.
If you are wells fargo bank customer and prefer card with same bank.
If you want cash back card with large sign up bonus.
If you want to pair this card with other bonus card to increase rewards on general purchase.

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