Wells Fargo Cash Wise Visa Signature® Card
The Wells Fargo Cash Wise Visa Signature® Card from Wells Fargo earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Wells Fargo Cash Wise Visa Signature Card earn in each category?
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5% back | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Wells Fargo Cash Wise Visa Signature Card?
The Wells Fargo Cash Wise Visa Signature Card fits spenders who put meaningful volume in dining and can earn 1.5% back. Best for spenders who put meaningful volume in dining and can earn 1.5% back. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Wells Fargo Cash Wise Visa Signature Card fits spenders who put meaningful volume in dining and can earn 1.5% back. Madeen ranks its dining effective rate higher than about 35% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.5% back.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5% back).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
Does the Wells Fargo Cash Wise Visa Signature Card have an annual fee?
The Wells Fargo Cash Wise Visa Signature Card has an annual fee of $0 and a foreign transaction fee of $3. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Wells Fargo Cash Wise Visa Signature Card?
The Wells Fargo Cash Wise Visa Signature Card includes Auto Rental Collision Damage Waiver, Booking.com, Cell Phone Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Cell Phone Protection
$25/yrGet up to $600 of cell phone protection per claim against damage, theft, and unintended separation when you pay your monthly phone bill with an eligible card. Subject to a $25 deductible.
Credit Close-Up®
$25/yrGives you free access to your FICO® Score and more at any time and it won’t impact your credit score.
Emergency Cash Disbursement and Card Replacement
$25/yrGet it within one to three business days, and in some cases, within 24 hours, after issuer approval. Any cash advance fees and interest charges that are associated with your credit card account would apply.
Auto Rental Collision Damage Waiver
$10/yrPay for rental transactions with an eligible card and receive reimbursement of up to $50,000 if covered damage to or theft of your eligible rental vehicle occurs.
Roadside Dispatch®
$10/yrAvailable whenever you’re in need of a tow — for eligible Wells Fargo cardholders 24/7 with no membership required. To learn more, call 1-800-847-2869
Travel Accident Insurance
$10/yrGet Travel Accident Insurance protection of up to $1,000,000 when you purchase your airline or other common carrier ticket with your eligible credit card.
Travel and Emergency Assistance Services
$10/yrAvailable for covered Wells Fargo cardholders. Count on emergency assistance while traveling anywhere in the world. To learn more, call 1-800-992-6029. If you are outside the U.S., you can call collect: 1-804-673-1675.
Visa Signature® Concierge
$10/yrind tickets to top sports and entertainment events, book travel, make dinner reservations, and more with your complimentary 24/7 Visa Signature® Concierge.
Related encyclopedia topics
Common questions about the Wells Fargo Cash Wise Visa Signature Card
Is Wells Fargo Visa Signature a good card?
The Wells Fargo Cash Wise Visa Signature® Card from Wells Fargo earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
Does the Wells Fargo Cash Wise Visa Signature Card have an annual fee?
The Wells Fargo Cash Wise Visa Signature Card carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Wells Fargo Cash Wise Visa Signature Card?
Dining is the strongest Madeen category for the Wells Fargo Cash Wise Visa Signature Card at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Wells Fargo Cash Wise Visa Signature Card charge foreign transaction fees?
The Wells Fargo Cash Wise Visa Signature Card charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Wells Fargo Cash Wise Visa Signature Card?
Madeen's catalog lists a typical credit range of Excellent for the Wells Fargo Cash Wise Visa Signature Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Wells Fargo Cash Wise Visa Signature Card?
Rewards on the Wells Fargo Cash Wise Visa Signature Card post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Wells Fargo Cash Wise Visa Signature Card compare to similar cards?
Compare the Wells Fargo Cash Wise Visa Signature Card against One Key (3% on Dining, $0 fee); One Key+ (3% on Dining, $99 fee); Wells Fargo Autograph℠ (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Wells Fargo Cash Wise Visa Signature Card This card | Dining | 1.5% | $0 |
Wells Fargo | Dining | 3% | $0 |
Wells Fargo | Dining | 3% | $99 |
Wells Fargo | Dining | 3% | $0 |
Wells Fargo | Dining | 3% | $0 |
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