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  Wells Fargo Cash Back College Visa Card

Wells Fargo Cash Back College Visa Card

in Personal Credit Cards from Wells Fargo Bank

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Wells Fargo Cash Back College Visa Card

Unaffiliated

in Personal Credit Cards from Wells Fargo Bank

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Highlights
Highlights
Community Rating Mostly recommended
Balance Transfer APR  (Variable APR) 12.65% - 22.65%
Credit Score Range 500 - 850
Annual Fee $0
Purchase APR  (Variable APR) 12.65% - 22.65%
Rewards Rates
  • Drug Store Purchases
  • Every Purchase
  • Gas
  • Groceries
Number of Reviews 10

Wells Fargo Cash Back College Visa Card Review

Wells Fargo Cash Back College Visa Card is a cashback credit card issued by Wells Fargo Bank. If you're wondering whether Wells Fargo Cash Back College Visa Card is the right card for you, read on. This is everything you need to know to make a good choice.

  • Up to 1% cash back on everyday purchases.
  • 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 Visa Card has a variable purchase APR of up to 22.65%.
  • 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.
  • 5% Balance transfer fee. Wells Fargo Cash Back College Visa Card charges a fee of up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $50 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, and fraud protection.
  • Poor credit. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
The Good The Bad
  • 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.
  • Credit history not required.
  • Considers applicants with fair or poor credit.
  • Earn rewards on every purchase.
  • Wells Fargo Cash Back College Visa 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.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 5% balance transfer fee

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

Wells Fargo Cash Back College Visa Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Wells Fargo Cash Back College Visa Card you receive 2% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash.

Wells Fargo Cash Back College Visa Card Rewards
Rewards rate (all purchases) 2%
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

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

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

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

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

What are the Wells Fargo Cash Back College Visa Card benefits?

Wells Fargo Cash Back College Visa Card provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Cellular Telephone Protection
  • Reports to major credit bureaus

What are the relevant APRs for Wells Fargo Cash Back College Visa 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 Visa Card has lower than average purchase APRs.

Wells Fargo Cash Back College Visa Card has a variable purchase APR that ranges from 12.65% up to 22.65%. The card has a variable balance transfer APR that ranges from 12.65% up to 22.65%. It also has a variable cash advance APR starting at 25.49% .

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

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

Wells Fargo Cash Back College Visa Card Balance Transfers
Description
Balance Transfer APR 12.65% - 22.65%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 6
Balance Transfer Fee % 5%
Balance Transfer Fee Minimum $5

Does Wells Fargo Cash Back College Visa 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 Visa Card fees?

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

  • There is no overlimit fee
Wells Fargo Cash Back College Visa Card Fees
Fees Amount
Annual Fee up to $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 5%
Minimum Balance Transfer Fee $5
Returned Payment Fee $37
Late Payment Fee $37

Does Wells Fargo Cash Back College Visa Card have a foreign transaction fee?

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

Wells Fargo Cash Back College Visa 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 Visa Card

  • Visit the Wells Fargo Cash Back College Visa 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) 3% cash rewards earned for up to $2,500 spent on gas, grocery, and drugstore purchases for the first 6 months. Enjoy 1% cash rewards for other purchases
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Returned Payment Fee $37
Late Fee Amount $37
Credit History Not Required  
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required  
Credit Score Range 500 - 850
Card Type
  • Balance Transfer
  • Cashback
  • Low Interest
  • Rewards
  • Student
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Fraud Liability
  • Free Credit Score
Free FICO Score  
Bonus Rewards 3x
Rewards Rates
  • Drug Store Purchases
  • Every Purchase
  • Gas
  • Groceries
Rewards Type Cash Back
Cash Advance APR (Variable APR) Starting at 25.49%
Purchase APR (Variable APR) 12.65% - 22.65%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 12.65% - 22.65%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%

Wells Fargo Cash Back College Visa Card Community Reviews

 

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