How to Get a Wells Fargo Cash Wise Visa® Credit Card

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If you’ve racked up some balances and need some help getting them sorted, the Wells Fargo Cash Wise Visa® Credit Card can help you out. The card offers you the opportunity to transfer your balances and you don’t have to pay interest on them for a full year. If you don’t pay back the balance of your transfer within the year, you will pay an interest rate that will be determined by your credit score.

Of course rewards and balance transfers aren’t the only reason you might be looking for a new credit card. You may be more concerned about the interest on the purchases you make day-to-day and the fees you’ll pay if you don’t settle up your account on time.

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It is a great idea to sit down and write out what you absolutely need in a credit card before you start exploring for the right one for your lifestyle. Our editors have gotten into the Wells Fargo Cash Wise credit card and have compiled details you need to know. Once you learn all of the details of what the card offers, you can make an informed decision on whether the card is right for you.

 

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What are the Benefits of the Wells Fargo Cash Wise Visa® Credit Card?

To start with, Wells Fargo offers a 0% introductory APR on balance transfers for the first 12 months. So if you decide to move your credit card balance from another bank to your Wells Fargo Cash Wise credit card, you won’t have to pay interest for one year.

You can also earn 1.5% in unlimited cash rewards on all purchases and there aren’t any rotating category restrictions, nor is quarterly activation required. You’ll also get a $200 bonus when you spend $1,000 in purchases in the first 3 months.

With this Visa credit card comes user-friendly features and benefits, making it a good option for low to moderate earners. Let’s get into the fees associated with using this card. 

 

What are the Fees of the Wells Fargo Cash Wise Visa® Credit Card?

Just like any other responsible cardholder, you should pay your credit card on time to avoid incurring extra bank charges. The most common costs involved are broken down below, but to get more detailed information, head to the Wells Fargo website.

  • Introductory Annual Percentage Rate (APR) on balance transfers: 0% for the first 12 months
  • Annual Percentage Rate (APR) on purchases:16.24%, 28.24.99% based on your creditworthiness
  • Late payment: $37
  • Cash advance: $10 or 5%, whichever is higher
  • Balance transfer: $5 or 3% 
  • Returned payment: $37
  • US-converted transactions: 3%
  • Annual fee: $0

If you are looking for a credit card that offers unlimited cash back and a 0% introductory APR on balance transfers, the Wells Fargo Cash Wise Visa® Credit Card is your answer. You can investigate the Wells Fargo website if you want to know more. If your interest has been peaked,  you can learn what you need to apply below. 

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How to Apply for a Wells Fargo Cash Wise Visa® Credit Card

To be eligible for this credit card, you must be at least 18 years old, a legal resident of the US, and have a social security number. On top of this, you will need a regular income and documents to show proof of this. If you are eligible, the application process should only take a few minutes to complete.

To apply online, visit the Wells Fargo website and fill out the online application form. Once you have provided all the required information, you will receive a notification regarding the status of your application. If approved, the bank will forward more details, including when you will receive your credit card and what your credit limit is.

Note that the bank will determine your credit limit based on your income and credit rating.

How to Contact Wells Fargo

Head office

420 Montgomery Street

San Francisco, California

Telephone:

1-800-932-6736 or 1-925-825-7600 if you are outside of the US.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information. 

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