Wells Fargo Cash Back Visa® Card
Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Wells Fargo Cash Back Visa® Card from Wells Fargo earns up to 1% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1% back.
What does the Wells Fargo Cash Back Visa Card earn in each category?
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Wells Fargo Cash Back Visa Card compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Wells Fargo Cash Back Visa Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
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 Back Visa Card?
The Wells Fargo Cash Back Visa Card fits spenders who put meaningful volume in dining and can earn 1% back. Best for spenders who put meaningful volume in dining and can earn 1% back.
Wells Fargo Cash Back Visa Card fits spenders who put meaningful volume in dining and can earn 1% back. Madeen ranks its dining effective rate higher than about 2% 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% 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.
Pros
- Strongest Madeen category is dining at about 1% effective (1% back).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
Does the Wells Fargo Cash Back Visa Card have an annual fee?
The Wells Fargo Cash Back Visa Card has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Wells Fargo Cash Back Visa Card?
The Wells Fargo Cash Back Visa Card includes Auto Rental Collision Damage Waiver, Cell Phone Protection, Credit Close-Up® in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Cell Phone Protection
$7,200/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.
Travel Accident Insurance
$3,000/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.
Roadside Dispatch®
$1,000/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
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.
Related encyclopedia topics
Common questions about the Wells Fargo Cash Back Visa Card
Is the Wells Fargo cash back card a credit card?
Dining is the strongest Madeen category for the Wells Fargo Cash Back Visa Card at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Is the Wells Fargo cash back credit card good?
Dining is the strongest Madeen category for the Wells Fargo Cash Back Visa Card at about 1% 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 back card have an annual fee?
The Wells Fargo Cash Back Visa 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.
Does the Wells Fargo Cash Back Visa Card have an annual fee?
The Wells Fargo Cash Back Visa 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 Back Visa Card?
Dining is the strongest Madeen category for the Wells Fargo Cash Back Visa Card at about 1% 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 Back Visa Card charge foreign transaction fees?
The Wells Fargo Cash Back Visa 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.
How does the Wells Fargo Cash Back Visa Card compare to similar cards?
Compare the Wells Fargo Cash Back Visa 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 Back Visa Card This card | Dining | 1% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $99 | |
Wells Fargo | Dining | 3% | $0 |
Wells Fargo | Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure