Wells Fargo Cash Wise Credit Card Review

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Full review

Wells Fargo Cash Wise Credit Card

1.5% cash back on all purchases; no annual fee!

  • Welcome bonus: 150 cash back (spend $500 in the first 3 months)
  • Rewards: 1.5% cash back on all purchases
  • Redemption: Redeem for cash back directly
  • Annual fee: $0
  • Apply now>>

Highlights

  • Built-in cell phone protection: If you use this card to pay your monthly cell phone bill, you can receive up to $600 in reimbursement if your phone is damaged or stolen (with the first $25 paid out of pocket).
  • Free FICO score: You get a monthly Experian FICO credit score. See also: Which Free Credit Score Is Best
  • 0% APR for 12 months: For the first 12 months after account opening, purchases and balance transfers have no interest. See also: Introduction to 0% APR on Purchases and Balance Transfers

My Take

If you’re eligible to apply, this card is still decent. The welcome bonus is about average for a no-annual-fee card. In the long run, this is mostly a sock-drawer card for paying your cell phone bill and getting a free credit score.

Application

  • Application difficulty: The approval requirements for this card are fairly standard. It’s recommended that you have at least 1 year of credit history, and having a checking account with them is even better.

Wells Fargo Credit Card Application Guide

  • Application status check link. Or call: (800) 967-9521
  • If you applied for one of their cards within the past 6 months, you will not be approved for a new personal card. For Hotles cards, the restriction is 15 months. For business cards, the restriction is 12 months.
  • Wells Fargo credit cards appear to have an unknown limit on the total number of cards you can hold. You may need an SSN, and you may need to be a U.S. citizen or green card holder to apply.
  • You can call the reconsideration line at 866-412-5956 to speed up credit card approval or request a review of a denied application.
  • Having a Checking account may help with getting approved for a credit card.
  • More about applying for Wells Fargo credit cards

Application Link