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Wells Fargo Cash Back College℠ Card review

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Advertiser Disclosure

Interest Rate: Purchases
11.15% ‐ 21.15% (Variable) (0% for the first 6 months)
Balance Transfer
11.15% ‐ 21.15% (Variable) (0% for the first 6 months)
Signup Bonus

Informr score
The Wells Fargo Cash Back College℠ Card currently has an Informr score of 7.9 out of 10. This score is based on our evaluation of 11 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Wells Fargo Cash Back College℠ Card is typically available to those with minimum_credit_score.20 credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


If you're looking for a student credit card with no annual fee, the Wells Fargo Cash Back College card is a nice option, at least in the first six months you'll have the card. You’ll earn 3% in cash back on select purchases, up to $2,500 spent, during that period. The card also has some valuable ben...

- Kat Tretina, Investopedia

It’s hard to recommend the Wells Fargo Student Credit Card. It earns at a middling rewards rate and has a pretty limited sign-up bonus. Its cell phone protection is an useful perk, but for most people, that won’t outweigh the lost potential of rewards you could earn on another student credit card.

- TJ Porter, Cardcruncher
The Balance

The Wells Fargo Cash Back College Visa has a few noteworthy features for a student card. Not only does it offer rewards, which not every student card does, but it also has a balance transfer offer and an introductory period where you can carry a balance without paying interest. But be careful: These...

- Reyna Gobel, The Balance

The Wells Fargo Cash Back College Visa® Card is a solid student credit card. New card holders get both a 0% APR period and bonus rewards—perks you won't find on every student credit card. Once the promotional period ends, the card offers a simple 1% cash back on every purchase. It also offers one of...

- Cardcruncher

Wells Fargo’s student card is a good first-time card that helps new users establish a strong credit history, while providing some valuable cash rewards.

- Robin Ratcliff,


Interest Rates
Regular APR Interest Rate 11.15% ‐ 21.15% (Variable) (0% for the first 6 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 11.15% ‐ 21.15% (Variable) (0% for the first 6 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 23.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%
  • Minimum of $5
  • 3%, minimum of $5 for the first 6 months.
Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $37.00


Sign up bonus No
All Purchases 1% cash back
Restaurants No
Gas 3% cash back

For the first 6 months.

Groceries 3% cash back

For the first 6 months.

Hotels No
Travel No
Pharmacy 3% cash back

For the first 6 months.

Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits
  • Roadside Dispatch
  • Overdraft Protection
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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