Wells Fargo Cash Back College Card
in Personal Credit Cards from Wells Fargo Bank
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| Purchase APR (Variable APR) | 11.15% - 21.15% |
| Balance Transfer APR (Variable APR) | 11.15% - 21.15% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Wells Fargo Cash Back College Card Review
This is a rewards credit card issued by Wells Fargo Bank. If you're wondering whether Wells Fargo Cash Back College Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Generous reward rate. You will get a rewards rate of up to 3x.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
- Competitive APRs. Wells Fargo Cash Back College Card has a variable purchase APR that ranges from 11.15% up to 21.15%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Wells Fargo Cash Back College Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Gas rewards. on eligible gas purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
| The Good | The Bad |
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Does Wells Fargo Cash Back College Card have a cash back or rewards program?
Wells Fargo Cash Back College Card is a rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | 3x |
| Annual rewards limit | N/A |
| Signup Bonus Spend Requirement | $0 |
Does Wells Fargo Cash Back College Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Wells Fargo Cash Back College Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Wells Fargo Cash Back College Card benefits?
It provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Wells Fargo Cash Back College Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.It has a variable purchase APR that ranges from 11.15% up to 21.15%. The card has a variable balance transfer APR that ranges from 11.15% up to 21.15%. It also has a variable cash advance APR of 23.99% .
Does Wells Fargo Cash Back College Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 11.15% - 21.15% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does Wells Fargo Cash Back College Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.
What are the fees for Wells Fargo Cash Back College Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Wells Fargo Cash Back College Card have a foreign transaction fee?
Wells Fargo Cash Back College Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Wells Fargo Cash Back College Card?
The Wells Fargo Cash Back College Card customer service number is (800) 877-4833.
What is the support contact email for Wells Fargo Cash Back College Card?
The support contact email for Wells Fargo Cash Back College Card is corporateresponsibility@wellsfargo.com.
Does Wells Fargo Cash Back College Card report your account activity to credit bureaus?
Yes, Wells Fargo Cash Back College Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Wells Fargo Cash Back College Card
- Visit the Wells Fargo Cash Back College Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
420 Montgomery Street
San Francisco, CA 94104 - (800) 877-4833
- Visit Site
- Email Support
Other Services by Wells Fargo Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 6 months |
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