If you're looking for a simple cash-back card and could benefit from cell phone protection and bonus rewards on digital wallet spending, the Wells Fargo Cash Wise Visa® card is a good option. It doesn't come with the richest ongoing rewards or most flexible redemption options, but it offers solid value.
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.
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 Platinum® Card Terms and Conditions. You agree that we may consider you for a Visa Signature credit card if you qualify. If you opened a Wells Fargo Credit Card within the last 15 months, you may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers.
The Wells Fargo Cash Wise Visa is an OK choice for everyday purchases, providing a simple 1.5% back on whatever you buy. ... The annual fee is $0, and there's a $150 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Compare the Best Wells Fargo Credit Cards
| Credit Card | Intro Offer | Rewards |
|---|---|---|
| Wells Fargo Cash Wise Visa® Card Best Overall/Best Cash Back | $150 after $500 in 3 months; 0% APR on purchases and balance transfers for 15 months | Unlimited 1.5% |
Also, note that asking for a credit limit increase could result in a hard inquiry on your credit report, which could temporarily impact your score. As a final consideration, you should note that Wells Fargo may automatically increase your credit limit from time to time.
The best credit cards for a 550 score:
Most Wells Fargo credit cards require a credit score of 700+. The exceptions are the Wells Fargo Rewards Card, which requires a score of 750+, and the Wells Fargo Cash Back College Card, which is available to students with limited credit.
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