Wells Fargo Cash Back College Card


For People with
No Credit

REVIEWS

Reviews

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. 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 13.15%–23.15% 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.

Card Quick Facts

Card Quick Facts

  • 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 13.15%–23.15% Variable
  • Free FICO Credit Score
  • Cell phone protection
  • Travel protections, including Roadside Dispatch and Travel Accident Insurance
  • No annual fee

For People with
No Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 3% cash back for the first 6 months on:
    • Gas stations
    • Grocery stores
    • Drugstores
  • 1% cash back for every other purchase
  • Bonus cash back at participating merchants in the Earn More Mall
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-Signature & 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, for transfers made within 120 days
Regular Balance Transfer APR 13.15%–23.15% Variable
Balance Transfer Fee 3%, $5 minimum for transfers made within 120 days; 5%, $5 minimum after that
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.

  • Free FICO Credit Score

    Check your FICO score for free whenever you’d like.

  • $0 Fraud Liability

    You won’t be held responsible for unauthorized charges.

  • Emergency Card Replacement & Cash Disbursement

    Call Visa Global Customer Care Services toll-free to have your card replaced or receive an emergency cash advance.

  • Cellular Telephone Protection

    Provides coverage against damage or theft of cell phones up to $600, when the phone bill is paid with this card.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision damage for eligible rented vehicles, when the rental company’s own insurance is declined.

  • Roadside Dispatch

    Provides help with roadside emergencies like tire changes, jump starts, towing, and more.

  • Travel and Emergency Assistance

    Get help finding local emergency services, including legal and medical referrals.

  • Travel Accident Insurance

    Provides up to $150,000 in coverage against accidental loss of life or limb when traveling by common carrier and paying the fee with this card.

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