In a world where the cashless transaction is a new norm, a credit card is a buzzword for plentiful benefits like enhanced purchasing power, rewards, and much more. The Cash Wise Visa Credit Card offered by Wells Fargo Bank is a good illustration.
It is one of the top-rated flat-rate cash back reward credit cards that makes it easy for folks to earn bonuses on every spending, be it large or small. It is a good option for users that are looking for an all-rounder type of card.
The Wells Fargo Cash Wise Visa Credit Card although majorly meant to reward spenders, also offers several other benefits to be the blessing in disguise. We’ve looked further into this card and up next have details on things like fees and contact information.
Features of Cash Wise Visa Credit Card
Wells Fargo, the second-largest bank in the US and one of the top credit card issuers offers a Cash Wise Visa Credit Card to let the users enjoy cashback on the spendings without any category limits.
Where for the first twelve months, the holders earn 1.8% cashback on the purchases made through a digital wallet, the normal earning after that is 1.5%.
Surprisingly, the card carries no annual fee and comprises 0% APR for the first 15 months. However, after this specific period, the range varies from 14.99% to 24.99%.
In addition, the new credit card users can earn up to $150 as an introductory bonus which can be accessed after spending $500 in the first three months.
Cell Phone Protection Bonus
Moreover, the card also provides $600 for cell phone protection with $25 as a deductible amount as long as cardholders use the credit card to pay monthly phone bills. One can also access the compensation for the repair and replacement of the phone.
Also read: First Credit Card Advice – Things to Know When Starting to Build Credit
Pros and Cons of Cash Wise Visa Credit Card
Opting for this card comes with the advantage of living daily life as hassle and concern free. The reason being, it also offers 24/7 fraud monitoring, assistance during travel and emergency, travel accident insurance.
You also get emergency roadside assistance and auto rental collision damage coverage. However, the only drawback that customers face with this card is that they can’t redeem the awards continuously.
Additionally, the card is a little slim on the rewards that it does offer.
Cash Wise Visa Credit Card Fees
- Annual Fee: None
- APR: 0% for the first 15 months then 14.49% to 24.99%
- Balance Transfer APR: 0% for the first 15 months then 14.49% to 24.99%
- Balance Transfer Transaction Fees: $5 or 3%, whichever is greater in the first 120 days of account opening
- Cash Advance Fee: $10 or 5% of the transaction, whichever is greater
- Foreign Transaction Fee: 3% of each transaction
- Late Payment Fee: $40
Credit Card Eligibility
One is not eligible for the bonus, reward offers, introductory annual percentage fees, and other offers if Cash Wise Visa Credit is opened within the last 15 months after the time of application.
The bank can also limit the total number of open credit card accounts and one is not qualified if the card is opened in the last 6 months.
How To Apply?
To apply for Cash Wise Visa Credit, visit the official website and defer to Personal > Credit Cards > Wells Fargo Cash Wise Visa® Card and click on Apply Now at the bottom.
One can also access the direct link here to be a proud user of the card that offers only happiness.
Soon after the processing of the application, the bank will revert to notify you about the acceptance or rejection.
Contact Information
Cash Wise Visa Credit is issued by Wells Fargo, the American Multinational Financial Services Company open for customer support 24/7. You can reach out to the following address in case of need – 464 California St.in San Francisco CA 94104.
Here are contact numbers to resolve your query while applying for the card. For general banking call 1-800-869-3557. For online support, you can call 1-800-956-4442.
Also read: The Benefits of a US Bank Credit Card: Rewards, Perks, How to Apply and More
The Bottom Line
Wells Fargo Cash Wise Visa Credit Card is the perfect choice for customers looking for a simple and low-maintenance credit card to keep the flow of financial aspects continuing in life.
Of course, if you’re looking for a more specialized card, Wells Fargo has a number of other credit card options.
Disclaimer: There are risks involved when using credit card products. Always be sure to read the bank’s terms and conditions page for more information.
