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Wells Fargo Cash Back College Card

  • Regular Purchase APR   13.15% to 23.15% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months.
  • Balance Transfer APR  13.15% to 23.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% variable based on the Prime Rate
  • Annual Fee  None
  • Credit Needed  Poor , No Credit Required
  • Processing Network Visa

Best Benefits
  • 0.00% introductory APR for 6 months on purchases and balance transfers
  • 3% cash rewards on gas, grocery, and drugstore purchases for the first 6 months, 1% cash rewards on virtually all other purchases
  • Build credit history while you’re in college
  • Access your FICO® Credit Score, credit education and tools with Wells Fargo Online®
Rates & Fees
     Intro Purchase APR: 0% for 6 months.
     Regular Purchase APR: 13.15% to 23.15% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% APR for 6 months on balance transfers made within 120 days from account opening
     Balance Transfer APR: 13.15% to 23.15% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
     Cash Advance APR: 25.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Poor , No Credit Required

 

At a Glance

The Wells Fargo Cash Back College℠ Card is useful for students who want to build their credit, earn cash rewards, and enjoy flexible redemption options for these rewards. The 0% introductory APR for 6 months allows students to buy what they need for school and it lets them pay down any existing balances.

The Gist

College is expensive enough, which is why earning 3% cash rewards on gas, groceries, and drugstore purchases in the first 6 months can surely put more money back into the pockets of students. They can also earn 1% on almost all other purchases. These rewards can be redeemed for gift cards, travel, or even cash which is automatically deposited into a Wells Fargo savings account. Students looking to buy supplies or pay down a balance can use the Wells Fargo Cash Back College℠ Card and take advantage of the 6 months of 0% APR. They also don’t have to worry about an annual fee. An added perk of the Wells Fargo Cash Back College℠ Card is the cell phone protection plan where a device is covered against theft or damage if this card is used to pay the monthly bill. Cardholders are also offered roadside dispatch, travel and emergency assistance services, and a auto rental collision damage waiver.

Apply For this Card If You:

  • Are a college student
  • Want cash back rewards on purchases
  • Need to pay down a balance
  • Want to pay for a large ticket item over time
  • Want to protect your cell phone from damage or theft

 

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Published: September 5, 2019 12:23 pm

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