Get the most out of your

Cash Wise^SM Credit Card

Product showcase. Cash Wise Credit Card.

Take advantage of your card’s special features

My Wells Fargo Deals

It’s easy – activate your deals, shop, and earn cash back.¹

See the deals

Credit Close‐Up®

Gives you free and easy access to check and track your FICO® Score and it won’t impact your credit score.²

Unlimited Rewards

Earn unlimited 1.5% cash rewards on purchases.³

Wells Fargo Rewards®

Discover all the ways to redeem your rewards, including cash, travel, gift cards, and more.

Card benefits

Mastercard Global Service⁴

Wherever you are, you can always count on Mastercard Global Services for any card‐related need.⁴

Lifestyle. Person with credit card on hand and a cell phone on the other.

Mastercard ID Theft Protection™⁵

Identity theft hurts, but Mastercard can help
— for no extra cost. From scouring the internet to see if your personal info is being sold to helping you clear your name with credit rating agencies, we are there for you 24/7. Simply visit mastercardus.idprotectiononline.com
or call 1-800-Mastercard.⁵

Lifestyle. Instacart groceries on a table.

Instacart⁶

Get 3 months of Instacart+ and $10 off your second order each month with your Cash Wise Card.⁶

Lifestyle. Person using their card to pay for coffee.

Zero Liability Protection⁷

Built-in protection features ensure that you won’t be held responsible for unauthorized transactions, as long as they’re reported promptly.⁷

Cell Phone Protection⁸

Get 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.⁸

Watch now

Decorative. Car parked overlooking ocean.

Auto Rental Collision  Damage Waiver⁹

Pay 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.⁹

Concierge Service¹⁰

A personal assistant ready to help 24/7, worldwide:
concierge.mastercard.com.¹⁰

Mastercard Golf¹¹

Take your game to the next level with exclusive offers and experiences.¹¹

Mastercard Travel and Lifestyle Services¹²

Enjoy added peace of mind and a worry-free stay. If you experience problems with your 3‐star or higher-rated hotel, contact a lifestyle concierge, 24/7, who will work directly with your hotel to help resolve the issue.¹²

Lyft Credits¹³

Take 3 eligible rides with your Cash Wise Card in a month and earn $5 in Lyft credit.¹³

Benefits

Learn about all of your card’s benefits.

Find out more

Switch to online statements

Want to reduce waste?

Start using our secure digital tools to quickly and easily access up to two years of your credit card statements online.¹⁶

Manage paperless setting

You must activate a deal and use your eligible card to make purchases directly with the merchant providing the deal by the expiration date. Purchases must satisfy all the requirements in the My Wells Fargo Deals Terms and Conditions and the Deal Terms in order to qualify for the deal. Cash back will not be earned on any portion of a purchase transaction that is paid for with store credit, gift certificates, or other payment types. If you pay using a digital wallet or through a third-party provider, or if the merchant uses a mobile or wireless card reader to process your payment, you may not have fulfilled the requirements to redeem the deal and receive the cash back. Cash-back transactions will appear in the form of an account credit on the eligible card account within 60 days of the qualifying transaction posting to your account. Account credits may be reversed if a qualifying purchase is returned or canceled. Refer to the My Wells Fargo Deals Terms and Conditions for details applicable to all eligible cards.

You must be a Wells Fargo account holder of an eligible Wells Fargo consumer account with a FICO® Score available, and enrolled in Wells Fargo Online®. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

Please note that the score provided under this service is for educational purposes and may not be the score used by Wells Fargo to make credit decisions. Wells Fargo looks at many factors to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card.

Wells Fargo and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act. Wells Fargo and Fair Isaac don’t provide credit repair services or advice or assistance with rebuilding or improving your credit record, credit history, or credit rating.

1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account. “Purchases” that do not earn cash rewards include: cash advances and cash equivalents of any kind (such as ATM charges, cash advances (including overdraft protection advances), traveler’s checks, money orders, pre-paid gift cards, wire transfers, person-to-person money transfers, and digital currencies (to the extent accepted)); balance transfers; disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); and gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Refer to the Wells Fargo Rewards® Program Terms and Conditions and Addendum for the Wells Fargo Cash Wise® Card for details.

Certain terms, conditions, and exclusions apply. When in the United States, contact your card issuer directly for account information and 1-800-307-7309 for Mastercard Global Service. When traveling outside the U.S., call Mastercard Global Service collect at 1-636-722-7111 to access your card issuer for account information or to access any of your card benefits. Please review the Wells Fargo Cash Wise World Elite Mastercard® Card Guide to Benefits for details.

Certain terms, conditions, and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please review the Wells Fargo Cash Wise World Elite Mastercard® Card Guide to Benefits for details, or call 1-800-Mastercard (1-800-627-8372).

Offer expires 1/31/2027, subject to early termination without notice. Eligible U.S. World and World Elite Mastercard cardholders, who do not have an active Instacart+ (plus) membership and subscribe as a new member through this offer, can receive a three-month trial membership of Instacart+ and $10 off their second qualifying order of $10 or more, each month during the offer period. Cardholders must have an active Instacart+ trial membership through this offer or renew their Instacart+ membership after the three-month trial to continue receiving the $10 offer each month during the offer period. By redeeming this offer, you agree to the Instacart+ terms instacart.com/terms#terms-instacartplus. Additional terms apply, please visit instacart.com/p/mastercard-offer.

With Zero Liability protection, you won’t be held responsible for promptly reported unauthorized card transactions, subject to certain conditions. For more information, please review the applicable Consumer Credit Card Customer Agreement and Disclosure Statement.

Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to, theft of, or involuntary and accidental parting of a cell phone. Reimbursement is limited to the cost to repair or replace your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $600. This benefit does not cover cell phones that are lost (i.e., mysteriously disappear). Electronic failure or issues related to the software of the device are not covered. This protection is only available when cell phone bills are paid with an eligible Wells Fargo Consumer Credit Card. Coverage begins the first day of the calendar month following the payment of your first cell phone billing using your eligible Wells Fargo Consumer Credit Card and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. Eligible cell phones are the lines listed on your most recent cellular wireless service provider’s monthly billing statement for the billing cycle prior to when the incident occurred. This is supplemental coverage not otherwise covered by another insurance policy, may be applied after all other insurance is exhausted and may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection, call 1-800-316-8051, 8 a.m. to midnight Eastern Time, seven days a week, or refer to the Guide to Benefits.

Note:
Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection.

Coverage provided by this benefit is secondary. In order for coverage to apply, you must pay for all of the cost to rent the car with your eligible Wells Fargo Cash Wise World Elite Mastercard® and/or rewards program associated with your covered account. Cardholder must decline coverage from the rental company to be eligible for this benefit. Certain vehicles are not covered. A maximum benefit amount and certain restrictions and limitations apply. Please review the Wells Fargo Cash Wise World Elite Mastercard® Card Guide to Benefits for details

10.

These resources are provided for your enjoyment and convenience, which, except where noted as a benefit to Mastercard cardholders, consist of products and websites provided by third parties with no affiliation with or connection to Mastercard. Any third-party products and services may be subject to such third party’s availability, restrictions and terms and conditions. Please visit www.mastercard.us/worldelite or call 1-877-354-8330 for the latest benefit information.

11.

Mastercard Golf benefits are subject to terms and conditions and may change without prior notice. Costs of any goods or services provided by Mastercard Golf require billing to your Cash Wise World Elite Mastercard. To participate in the latest experiences please visit priceless.com/golf.

12.

Certain terms, conditions, and exclusions apply. Visit travel.mastercard.com/product/terms for the latest benefit information and terms & conditions. Mastercard Travel & Lifestyle Services are provided by a third party. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Services. Please review the Wells Fargo Cash Wise World Elite Mastercard® Card Guide to Benefits for details, or call 1-855-802-1387.

13.

Take 3, Get $5: Through 1/31/2027, Lyft users that participate in Lyft and Mastercard's Take 3 Get $5 program ("Program"), by taking and fully paying for three (3) Eligible Rides in a calendar month will receive a $5 Lyft credit ("Credit"). To qualify for the Credit, rides must be paid for with an eligible World, World Elite, or World Legend Mastercard credit card (Apple Card is not eligible to be used in connection with this Program, but Apple Pay or Google Pay may be eligible if your World, World Elite, or World Legend Mastercard credit card is the payment method). Limit one Credit per calendar month per Lyft account. An "Eligible Ride" is any Lyft ride type, excluding business rides and bicycle and scooter rental rides. Valid only in the USA (including Puerto Rico as of 7/8/2025). Whether a ride qualifies as an Eligible Ride for purposes of the Credit will be determined in Lyft's sole discretion. In certain cases where the ride requester or rider is not the party whose World, World Elite, or World Legend Mastercard is charged for the ride, such ride may not be deemed by Lyft, in its sole discretion, as an Eligible Ride and may not be counted towards the Credit. Credits expire 30 days after application to your Lyft account. Limited time only and while supplies last. By participating in the Program, you agree to these terms and Lyft's Terms of Service (https://www.lyft.com/terms), and you agree that Lyft and Mastercard may share your information for the purpose of tracking and processing the Credit and may use anonymized, aggregated data for business analytics and offer optimization. Credits may take up to 2 days to be applied to your Lyft account. Mastercard, World, World Elite, and World Legend Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. All rights reserved.

14.

Turning off your credit card is not a replacement for reporting your card lost or stolen. Contact us immediately if you believe that unauthorized transactions have been made. Turning your card off will not stop card transactions presented as recurring transactions or the posting of refunds, reversals, or credit adjustments to your account. Turning off your card will
turn off all cards associated with your credit card account, including any digital card numbers linked to the cards. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

15.

Digital wallets may not be available on all devices.

16.

Online Statements require Adobe® Acrobat® PDF reader. For credit card accounts, Online Statements are available to view and download for up to 2 years. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

17.

Sign-up may be required. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

18.

Subject to account eligibility requirements. If you choose to link your account to your Wells Fargo checking account for Overdraft Protection, please note the following. If you have a
joint checking account, you will be responsible for all advances, including interest and charges, from your credit card to cover overdrafts, regardless of who writes the check, makes the
debit card purchase, or engages in any other transaction that causes the overdraft. Interest will accrue from the date each advance is made. Your credit card must be confirmed; if it is
not confirmed, no money will transfer to cover the overdraft. Once your credit card has been confirmed, please allow up to 3 business days for your Overdraft Protection service to be
fully enabled. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. There may be other options available to protect against overdraft that
may be less costly. For additional information on Overdraft Protection using your credit card, please visit www.wellsfargo.com/credit-cards/features/overdraft-protection. For details
on other options, please visit www.wellsfargo.com/checking/overdraft-services/.

19.

Terms and conditions apply. Setup is required for transfers to other U.S. financial institutions, and verification may take 1–3 business days. Customers should refer to their other U.S. financial institutions for information about any potential fees charged by those institutions. Mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement for more information.

20.

Account holders are responsible for repayments of all debts on the account, including all transactions made by authorized users.

Cash WiseSM Credit Card

Take advantage of your card’s special features

My Wells Fargo Deals

Credit Close‐Up®

Unlimited Rewards

Wells Fargo Rewards®

Card benefits

Mastercard Global Service4

Mastercard Global Service4

Mastercard ID Theft Protection™5

Mastercard ID Theft Protection™5

Instacart6

Instacart6

Zero Liability Protection7

Zero Liability Protection7

Cell Phone Protection8

Cell Phone Protection8

Auto Rental Collision Damage Waiver9

Auto Rental Collision Damage Waiver9

Concierge Service10

Concierge Service10

Mastercard Golf11

Mastercard Golf11

Mastercard Travel and Lifestyle Services12

Mastercard Travel and Lifestyle Services12

Lyft Credits13

Lyft Credits13

Benefits

Benefits

Tools and resources

Enroll in online banking

Wells Fargo Mobile® app

Load your digital wallet

Go paperless

Set up alerts

Overdraft protection

Automatic payments

Add an authorized user

Switch to online statements

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Cash Wise^SM Credit Card

Mastercard Global Service⁴

Mastercard Global Service⁴

Mastercard ID Theft Protection™⁵

Mastercard ID Theft Protection™⁵

Instacart⁶

Instacart⁶

Zero Liability Protection⁷

Zero Liability Protection⁷

Cell Phone Protection⁸

Cell Phone Protection⁸

Auto Rental Collision  Damage Waiver⁹

Auto Rental Collision  Damage Waiver⁹

Concierge Service¹⁰

Concierge Service¹⁰

Mastercard Golf¹¹

Mastercard Golf¹¹

Mastercard Travel and Lifestyle Services¹²

Mastercard Travel and Lifestyle Services¹²

Lyft Credits¹³

Lyft Credits¹³