Wells Fargo Cash Wise Credit Card Review (2018.7 Update: $200 Offer)

Wells Fargo Cash Wise Visa Card Review

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  1. $200 offer: earn $200 after spending $1,000 in first 3 months.
  2. Earn 1.5% cash back on all purchases.
  3. You will earn an additional 20% mobile wallet transaction bonus cash reward above the base earn of 1.5% on net purchases, for a total of 1.8% cash rewards during the first 12 months from the date the account is opened.
  4. $600 cell phone insurance: Pay your monthly cell phone bill using your eligible Wells Fargo Consumer Credit Card and get up to $600 (subject to a $25 deductible) protection against damage or theft.
  5. No annual fee.


  1. It has foreign transaction fee, so it's not a good choice outside the US.

Recommended Application Time

  1. We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game.


$200 offer is decent for a no annual fee card. However, 1.5% cash back on everything is not impressive compared to Citi Double Cash (DC) which earns 2% cash back everywhere with no annual fee.

Historical Offers Chart

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