To find out what may have changed, call 1-800-642-4720.
The Wells Fargo Cash Wise Visa is an OK choice for everyday purchases, providing a simple 1.5% back on whatever you buy. While other cards may offer higher rewards in specific categories, they may be in areas that don't align with your spending and/or you may also not want to be bothered with category tracking.
Wells Fargo Cash Wise Visa® Card: 650+ FICO
The Wells Fargo Cash Wise Visa® Card is a popular choice for consumers who want simple rewards that don't require much hassle. It offers an unlimited 1.5% cash back on every purchase, without categories to activate or track, and it never charges an annual fee.
To redeem your rewards online, use your account credentials to log on to the GoFar Rewards home page, click “Use” on the top rail and select the redemption option you want. To get cash back at an ATM instead, find a Wells Fargo ATM in your vicinity, and use your Wells Fargo debit card to redeem for cash.
New applicants can earn a $150 cash bonus for spending just $500 within 3 months of account opening. That's tied for the second-biggest cash bonus among consumer credit cards, according to WalletHub's database of 1,000+ offers. Without its initial bonus, the Cash Wise card is still very good, just not elite.
Wells Fargo Cash Wise Visa® card: At a glance
Annual fee: $0. Rewards: 1.5% cash back on purchases. 1.8% cash back for qualified digital wallet purchases, including purchases made on Apple Pay® or Google Pay™, in the 12 months after account opening.
Best Wells Fargo Credit Cards Compared
| Credit Card | Best For | Annual Fee |
|---|---|---|
| Wells Fargo Cash Wise Visa® card | Cash Back | $0 |
| Wells Fargo Rewards® Card | Gas Rewards | $0 |
| Wells Fargo Platinum card | 0% Intro APR | $0 |
| Wells Fargo Business Platinum Credit Card | Business | $0 |
What credit bureau does Wells Fargo use for approval? Wells Fargo uses all three major credit bureaus: Equifax, Experian, and TransUnion. Your state may factor into which credit bureau Wells Fargo uses when it pulls your credit report.
The Wells Fargo Cash Wise credit limit is at least $1,000 for all cardholders, according to Wells Fargo's website. So anyone who qualifies for this card will have at least $1,000 of spending power. It's also possible for someone to start with a credit limit well over $1,000.
The best credit cards for a 550 score:
Your Points expire and You cannot use them at the end of the 60th month (approximately 5 years) starting the first month Your Points post to Your Rewards Account. When You redeem Your Points, We begin with the earliest Points You earned.
How to Maximize the Value of Wells Fargo Go Far Rewards
Wells Fargo doesn't offer rewards points for signing on for new credit cards, says spokeswoman Lisa B. ... Rewards and airline miles that are provided in connection with a purchase on a credit card are routinely not subject to individual income tax reporting.
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