Wells Fargo Cash Wise Visa Card Calculator

Review the benefits of the Wells Fargo Cash Wise Visa, calculate how much cash back you can earn based on your spend, and compare results against top cards.
Updated 2020-07-11 By Robert Flowers III

The Cash Wise Visa Card is a 1.5% cash back card offered by Wells Fargo. Besides the Wells Fargo Cash Back College Card, there's no other Wells Fargo cash back cards to pair this with to create a power combo like you can with other cash back programs. If you're looking to earn a flat rate of 1.5% cash back, this is another card to choose from in the pool of many similar cards.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Wells Fargo Cash Wise Visa Card does not feature any bonus categories and instead earns cash back at a flat rate. You'll earn 1.5% cash back per $1 spent on all eligible purchases ran through the card. You can also earn a small bonus during your first 12 months of using the card through a qualified mobile wallet.

  • 1.5%-1.8% All Purchases
    • 1.8% cash back (bonus 0.3%) on all mobile wallet purchases (such as Apple Pay and Google Pay) made within the first 12 months of card membership.

Perks & Benefits

Wells Fargo Cash Wise Visa Cardholders can earn you bonus rewards shopping through the Earn More Mall. It also comes with a small amount of travel and purchase protections.

  • Earn More Mall Portal
    • Earn bonus rewards shopping popular stores and brands on the portal.
    • Cash back rewards earned through the portal is deposited directly into your cash back balance.
  • Travel & Purchase Coverage

Sign Up Bonus

The standard Wells Fargo Cash Wise Visa Card sign up bonus is $200 cash rewards bonus when you spend $1,000 in purchases in the first 3 months. The Cash Wise Visa Card also offers 0% APR introductory offer on purchases and balance transfers.


Annual Fee

The Wells Fargo Cash Wise Visa does not have an annual fee.

Authorized User Fee

There is no fee for adding authorized users to the Cash Wise Visa. I would recommend adding friends or family members to earn cash back faster.

Foreign Transaction Fee

The Wells Fargo Cash Wise Visa has a 3% foreign transaction fee. This means you will lose cash back at twice the rate you can earn it if you use this card internationally.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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