Apply for our best cash
back card ever with $0 Annual Fee*. Wells Fargo Cash Wise Visa® card full terms and conditions. Opens in a new window.

Primary cardCard features

Unlimited 1.5% cash rewards

on purchases with no category limitations or quarterly activations.2

Low intro APR for 15 months

from account opening on purchases and qualifying balance transfers

1.8% cash rewards

on Google PayTM or Apple Pay® digital wallet purchases during the first 12 months from account opening.3

Explore additional card features

Earn & redeem rewards your way

No rotating category restrictions or quarterly activations required to earn unlimited 1.5% cash rewards. Cash rewards do not expire as long as the account remains open.

Bonus rewards earning potential and deals at your favorite stores when you shop our Earn More Mail® Opens in a new window.4

  • Use your Wells Fargo Debit or ATM Card to redeem for cash at Wells Fargo ATMs ($20 increments)5
  • Direct deposit into your Wells Fargo savings or checking account5
  • Apply as a credit to your qualified Wells Fargo mortgage principal balance6

Redeem your cash rewards via desktop, mobile, phone, ATM, or in-branch. All redemption options are not available in all channels.

See how your cash rewards could add up

Slide to adjust your monthly credit card spending. Monthly credit card spending ranges from $0 to $5000. Use the arrow keys or page up and page down to adjust the slider to see how your cash rewards will add up. Press Escape to exit the slider.
$0
Monthly Spending $0. Yearly Cash Rewards 0.
Monthly Spending
$0
X 1.5% X 12 months =
Yearly Cash Rewards
=$0
.

You can earn an additional $150 Cash Rewards Bonus when you spend $500 in purchases in the first 3 months of account opening.1

Monthly spending values for illustrative purpose only.

Additional card features

Credit card is subject to credit qualification.

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.

You are not obligated to apply by selecting to review the information behind this link.

Offers may differ from time to time and depend on the marketing channel, such as phone, email, direct mail, online, or in branch. You must select “Next step: apply” above to take advantage of this specific offer.

  1. 1. 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. These 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, SUPERCHECKSTM, 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 for the Wells Fargo Cash Wise Visa® card. Opens in a new window. for details.←back to content Return to Footnote 1

  2. 2. 1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the Credit Card account. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, 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 for the Wells Fargo Cash Wise Visa® card. Opens in a new window. for further details.←back to content Return to Footnote 2

  3. 3. 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. If your account is upgraded to the Wells Fargo Cash Wise Visa® Card, you will earn the digital wallet rewards bonus during the first 12 months from the date your account is upgraded. 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 PayTM). 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. Opens in a new window..←back to content Return to Footnote 3

  4. 4. Participating merchants of the Earn More Mall® feature control the variability of the offers shown. Bonus cash rewards are earned on net purchases (purchases minus returns/credits) only. Review full Earn More Mall Terms and Conditions for all earning details.←back to content Return to Footnote 4

  5. 5. Cash redemption options by phone or online are redeemable in $25 increments only. 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 increments only. You must have a Wells Fargo Debit or ATM Card in order to redeem rewards at a Wells Fargo ATM.←back to content Return to Footnote 5

  6. 6. Rewards redeemed as a credit to a qualified Wells Fargo mortgage, loan, or credit product are applied toward your principal balance. You must still make regularly scheduled payments.←back to content Return to Footnote 6

  7. 7. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. 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 is exhausted. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12 month period. Each approved claim has a benefit limit of $600. 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. For complete coverage benefits and exclusions regarding this protection go to www.wellsfargo.com/ctp. Opens in a new window..

    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.←back to content Return to Footnote 7

  8. 8. You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO® Score available, and enrolled in Wells Fargo Online® banking. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts. Other consumer accounts may also be eligible. Contact Wells Fargo for details.

    Important: There are many factors that Wells Fargo looks at to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not necessarily guarantee a better loan rate, approval of a loan, or an automatic upgrade on a credit card.←back to content Return to Footnote 8

  9. 9. You won't be held responsible for any promptly reported unauthorized transactions. For more information, please review the applicable Consumer Credit Card Customer Agreement and Disclosure Statement. Opens in a new window..←back to content Return to Footnote 9

  10. 10. Sign up may be required. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.←back to content Return to Footnote 10

  11. 11. Online Statements require Adobe® Acrobat® PDF reader. The length of time Online Statements are available to view and download varies depending on the product: up to 2 years for credit cards, student loans, home equity lines of credit, and personal loans and lines of credit; and up to 7 years for deposit accounts, home mortgage accounts, and trust and managed investment accounts. The length of time the specific product statements are available online can be found in Wells Fargo Online® in Statements & Documents. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.←back to content Return to Footnote 11

  12. 12. Coverage is supplemental to Cardholder's primary insurance coverage. Entire rental transaction must be completed with an eligible Wells Fargo Cash Wise Credit Card account or rewards programs associated with your covered Account. Cardholder must decline coverage from the rental company to be eligible for this benefit. Certain vehicles are not covered. Certain restrictions and limitations apply. Please review the Visa Guide to Benefits. Opens in a new window. for details.←back to content Return to Footnote 12

  13. 13. A minimum $69.95 service charge will apply to the Cardholder's account. Rates apply to vehicles up to 10,000 pounds gross vehicle weight only. Cardholders are required to pay the service provider for mileage over 5 miles. Emergency roadside assistance and towing may not be available in all areas. The roadside assistance and towing service provider is solely responsible for any liability associated with use of roadside dispatch services. Certain restrictions and limitations apply. Please review the Visa Guide to Benefits. Opens in a new window. for details.←back to content Return to Footnote 13

  14. 14. Travel Assistance and Emergency Services only provide assistance and information services. Cardholder is responsible for the cost of any medical, legal, transportation, cash advance effectively provided, or of other services or goods provided. Certain restrictions and limitations apply. Please review the Visa Guide to Benefits for details.←back to content Return to Footnote 14

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

Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Google Pay is a trademark of Google LLC.

Cash Wise Visa registered trademark card

Cash Wise Visa® trademark card

Earn a $150 cash rewards bonus

when you spend $500 in purchases in the first 3 months1