Wells Fargo Money Wise VisaВ® Card 2021 Review

Our Verdict

The Wells Fargo Cash Wise Visa® Card * pays a simple and unlimited 1.5% cash back on all purchases if you like simplicity. Through the year that is first could possibly get also make a boosted 1.8% money benefits on electronic wallet acquisitions and good 0% APR intro offer too. But other cards provide greater benefits and much more versatile redemption terms, and don’t fee any international deal charges either.

  • 1.5% money back on all acquisitions
  • Minimum spending requirement for welcome bonus
  • No yearly charge
  • 0% introductory APR on purchases and transfers of balance
  • 3% international deal cost
  • Needs credit that is good/excellent
  • Cash return benefits redeemed in $25 increments


  • Earn a $150 cash benefits bonus after investing $500 in the 1st three months
  • Earn limitless 1.5% money benefits on acquisitions
  • Enjoy 1.8% money benefits on qualified electronic wallet acquisitions, like Apple PayВ® or Bing Payв„ў, throughout the first year from account starting
  • Get right up to $600 security on the cellular phone (at the mercy of $25 deductible) against covered harm or theft once you spend your month-to-month mobile phone bill together with your Wells Fargo money smart VisaВ® Card
  • $0 Annual Fee
  • 0% basic APR for 15 months on acquisitions and transfers of balance
  • Money benefits don’t expire for as long as the account is available
  • Account protections such as for instance 24/7 Fraud Monitoring, Alerts & Zero Liability protection for quickly reported unauthorized deals

Dining table of articles

  • Introduction
  • At a Glance
  • Benefits
  • Other Card Advantages
  • Terms And Conditions
  • How The Card Stacks Up
  • May Be The Card For You Personally?


The Wells Fargo money smart Visa is an OK option for everyday acquisitions, supplying an easy 1.5% straight back on anything you buy. While other cards may provide greater benefits in certain groups, they may take areas that don’t align along with your spending and/or you can also n’t need become bothered with category monitoring. This no-fuss card is a solution that is viable.

The fee that is annual $0, and there’s a $150 cash rewards bonus whenever you invest $500 in acquisitions in the 1st three months. Additionally, enjoy a 0% Intro APR on acquisitions for 15 months, while making balance transfers with a balance that is reduced charge inside the very first 120 times of account opening. From then on, adjustable APR is dependent on your creditworthiness.

But there are some other money back cards providing the exact same or better in terms of flat-rate benefits. The bucks smart also charges a foreign deal cost, which makes it an undesirable option for usage abroad. Exactly what additionally makes this card a sub-par trendy in comparison to comparable offerings is the complexity regarding the redemptions. You’ll have actually to accrue no less than $25 well worth of rewards if your wanting to can access it. The main one caveat which may get this card worthwhile for some could be the capability to redeem Wells Fargo benefits towards any eligible Wells Fargo home loan or other Wells Fargo loan item. If you’re interested in a supplementary advantage in reducing another Wells Fargo financial obligation, this card may be one choice.

At a Glance

  • $0 Annual Fee
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  • 1.5% limitless cash benefits, no category limits, or quarterly activations
  • 1.8% money benefits, (20% bonus) on Bing Pay or Apple Pay wallet that is digital through the first one year
  • Extra $150 cash benefits bonus, whenever you make $500 in acquisitions through the very first 3 months
  • $600 cellular phone protection ($25 deductible), whenever you spend your month-to-month cellular phone bill together with your Wells Fargo consumer credit that is eligible card


Receiving Benefits

The card earns 1.5% money back on all acquisitions. You can make 20% electronic wallet deal bonus money reward over the base profits of 1.5per cent on acquisitions, for a complete of 1.8per cent money benefits, through the first year. In addition it includes a welcome bonus: $150 cash benefits bonus whenever you invest $500 in acquisitions in the 1st a couple of months.

Redeeming Benefits

Money redemption choices by phone or online can be purchased in $25 increments just, while money redemptions via a withdrawal from a Wells Fargo ATM, or a benefits redemption to an eligible Wells Fargo account from a Wells Fargo ATM, can be found in $20 increments. You’ll want a Wells Fargo Debit or ATM card so that you can redeem benefits at a Wells Fargo ATM.

Benefits which are redeemed as a credit to a professional Wells Fargo home loan, credit or loan product are used toward your major stability. You have to nevertheless make frequently planned repayments.

Benefits Prospective

To look for the benefits prospective regarding the Wells Fargo money smart card we must consider the bonus groups and determine what a good example household that is american invest in those areas. Forbes Advisor makes use of information from different government agencies so that you can determine both baseline income and investing averages across different groups. The percentile that is 70th of households produces $100,172 annually and we base shelling out for that quantity.