The difference between the Wells Fargo Cash Wise Visa® card and the Wells Fargo Platinum card is that while both have 0% intro APR offers for purchases and balance transfers, the Cash Wise also comes with 1.5 - 1.8% cash back.
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.
Best Wells Fargo credit cards
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.
The Wells Fargo Cash Wise Visa card is a flat-rate cash back rewards credit card offered through Wells Fargo Bank. ... Cardholders earn 1.5% cash back on net purchases. New cardholders can earn a $150 cash rewards bonus after making purchases of at least $500 in the first three months.
If you have debt and want a simple balance transfer, the Wells Fargo Platinum card is a decent option. But if you don't have credit card debt, consider a card that will reward your spending and charge a lower interest rate.
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.
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.
Automatic credit limit increases
In some cases, Wells Fargo might automatically increase your credit limit – without you having to request one. If you demonstrate a good payment history and are a reliable customer, the issuer will occasionally award you with more credit.
Is Wells Fargo a good bank? Wells Fargo is comparable to other national banks in that it has similar features: large ATM and branch networks, low savings rates and high overdraft fees. It can be convenient to bank at Wells Fargo, especially if you have a mortgage or other account there.
To prepare, you might want to have at least three cards: two that you carry with you and one that you store in a safe place at home. This way, you should always have at least one card that you can use. Because of possibilities like these, it's a good idea to have at least two or three credit cards.
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1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account. ... Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Cash Wise Visa® Card for further details.
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