Wells Fargo Cash Back College Visa® Card

For People with
Fair Credit



The Wells Fargo Cash Back College Visa® Card is a good card. It allows you to earn 3% cash back on gas, grocery, and drugstore net purchases for 6 months, then 1% cash back on all purchases.

This card has no annual fee and an intro purchase & balance transfer APR of 0% for 6 months, and then a variable APR of 13.15%–23.15%.

Card Quick Facts

Card Quick Facts

  • Earn 3% cash back on gas, grocery, and drugstore net purchases for 6 months, then…
  • Earn 1% cash back on all purchases
  • No annual fee
  • 0% intro APR for 6 months
  • Regular purchase and balance transfer APR of 13.15%–23.15% Variable

For People with
Fair Credit



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Card Details



  • Earn 3% cash back on gas, grocery, and drugstore net purchases for 6 months, then…
  • Earn 1% cash back on all purchases
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 13.15%–23.15% Variable
Intro Purchase APR 0% for 6 months
Foreign Transaction Fee 3%
Chip Technology Chip-and-PIN
Minimum Credit Limit $500
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $37
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 6 months
Regular Balance Transfer APR 13.15%–23.15% Variable
Balance Transfer Fee 3%, $5 minimum for 12 months then, up to 5%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 25.99% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • FICO Credit Score & Online Credit Education Courses

    Get access to your FICO Credit Score and credit education tools with Wells Fargo Online®

  • My Money Map

    Help managing your monthly expenses

  • This Card Comes with Visa Benefits

    You will be provided with a list of benefits available to you once you get approved for your card.

  • Overdraft Protection

    Link your card to your Wells Fargo business checking account to avoid overdraft fees.

  • Cellular Telephone Protection

    Protect your phone from theft or damage when you pay your bill with your card.

  • Rapid Alert

    Get alerted of suspicious activity.

  • Verified by Visa®

    Protection for online shopping.

  • Emergency Card Replacement

    Get a replacement card in the U.S. or Canada within 24 hours.

  • Travel Accident Insurance

    Get reimbursed if you or a family member gets in an accident while traveling.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined.

  • Travel and Emergency Assistance

    Provides help with emergencies, including legal and medical referrals.

  • Roadside Assistance

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency.

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