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Wells Fargo Cash Back College Card

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Our rating
Min. credit level: Limited Credit History
Annual Fee: $0
Regular APR: 12.15%–22.15% Variable
Intro Balance Transfer APR: 0% for 6 months, for transfers made within 120 days
Intro Purchase APR: 0% for 6 months

Wells Fargo Cash Back College Card

Our rating
Limited Credit History Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

Rewards

  • 3% cash back for the first 6 months, up to $2,500 spent, on:
    • Gas stations
    • Grocery stores
    • Drugstores
  • 1% cash back for every other purchase
  • Bonus cash back at participating merchants in the Earn More Mall

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 6 months, for transfers made within 120 days
Regular Balance Transfer APR 12.15%–22.15% Variable
Balance Transfer Fee 3%, $5 minimum for transfers made within 120 days; 5%, $5 minimum after that
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $37
Returned Payment Fee Up to $37
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 24.99% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card
Wells Fargo Cash Back College Card

Highlights

  • 3% cash back at gas stations, grocery stores, and drugstores for the first 6 months, then 1% back
  • 1% cash back for all other purchases
  • 0% intro APR on both purchases and balance transfers for 6 months, and then your rates will be 12.15%–22.15% Variable
  • Free FICO Credit Score
  • Cell phone protection
  • Travel protections, including Roadside Dispatch and Travel Accident Insurance
  • No annual fee
ABOUT THE ISSUER

Wells Fargo

Wells Fargo has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-642-4720 or

Try a different phone number
See all Issuer Cards

The Wells Fargo Cash Back College Card is a basic student credit card, with a mediocre rewards program.

Cardholders get 3% cash back at grocery stores, gas stations, and drugstores, but only for the first six months of card ownership and up to $2,500 spent. 1% cash back is earned on those purchases after that, and for all other purchases.

You’ll get a 0% intro APR on both purchases and balance transfers for 6 months, and then your rates will be 12.15%–22.15% Variable. This rate only applies to balance transfers made during the first 120 days of account opening.

Some benefits are included, with the most valuable probably being Cell Phone Insurance.

The Cash Back College Card has no annual fee, and charges 3% on foreign transactions.