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  Wells Fargo Cash Back College Card

Wells Fargo Cash Back College Card

in Personal Credit Cards from Wells Fargo Bank

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Wells Fargo Cash Back College Card

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in Personal Credit Cards from Wells Fargo Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 12.90% - 22.90%
Credit Score Range N/A
Annual Fee $0
Purchase APR  (Variable APR) 12.90% - 22.90%

Wells Fargo Cash Back College Card Review

Wells Fargo Cash Back College Card 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 is everything you need to know to make a good choice.

  • Generous reward rate. You will get a 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 of up to 22.90%.
  • 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $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.
  • Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
  • Gas rewards.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, travel accident insurance, travel assistance, and fraud protection.
The Good The Bad
  • Allows students to build credit with no annual fee.
  • 6 months 0% introductory rate for purchases and balance transfers.
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Earn rewards on every purchase.
  • Wells Fargo Cash Back College Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • Low rewards after introductory period.
  • Foreign transaction fees means this is not an ideal card for students to use internationally.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee

Is there a Wells Fargo Cash Back College Card cash back or rewards program?

Wells Fargo Cash Back College Card offers a rewards program to its customers.

Wells Fargo Cash Back College Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus Spend Requirement $0

Does Wells Fargo Cash Back College Card have a signup bonus?

Wells Fargo Cash Back College Card doesn't offer a cash signup bonus.

Does Wells Fargo Cash Back College Card offer an annual loyalty bonus?

Wells Fargo Cash Back College Card doesn't offer a cash loyalty bonus.

What are the Wells Fargo Cash Back College Card benefits?

Wells Fargo Cash Back College Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Wells Fargo Cash Back College Card has lower than average purchase APRs.

Wells Fargo Cash Back College Card has a variable purchase APR that ranges from 12.90% up to 22.90%. The card has a variable balance transfer APR that ranges from 12.90% up to 22.90%. It also has a variable cash advance APR of 25.74% .

Does Wells Fargo Cash Back College Card have an introductory APR offer on balance transfers??

Yes, Wells Fargo Cash Back College Card offers an introductory APR rate on balance transfers of 0% for a period of up to 6 months.

Wells Fargo Cash Back College Card Balance Transfers
Description
Balance Transfer APR 12.90% - 22.90%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 6
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5

Does Wells Fargo Cash Back College Card have an introductory APR offer on new purchases??

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the Wells Fargo Cash Back College Card fees?

The following fees apply to Wells Fargo Cash Back College Card:

Wells Fargo Cash Back College Card Fees
Fees Amount
Annual Fee up to $0
Foreign Transaction Fee 3%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee up to $37
Late Payment Fee up to $37

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 a foreign transaction fee.

Does Wells Fargo Cash Back College Card report your account activity to credit bureaus?

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • 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

Every Purchase (Points) 1% cash rewards for each $1 spent on virtually all other purchases with your card
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Returned Payment Fee Up to $37
Late Fee Amount Up to $37
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Bad Credit
  • Balance Transfer
  • Gas
  • Rewards
  • Student
  • Zero Percent
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Travel Insurance  
Fraud Liability  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Free Credit Score
  • Travel Accident Insurance
  • Travel Assistance
Free FICO Score  
Bonus Rewards 3% cash rewards earned for up to $2,500 spent on gas, grocery, and drugstore purchases for the first 6 months
Rewards Categories
  • Drug Store Purchases
  • Every Purchase
  • Gas
  • Groceries
Cash Advance APR (Variable APR) 25.74%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 12.90% - 22.90%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 12.90% - 22.90%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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