The Wells Fargo Cash Back College Card is a top student credit card that gives you cash back rewards and helps you to build credit. To be eligible for this card, you must have a source of income, be over 18 years old and be currently enrolled as a student. The rewards and APR* help to make this one of the best credit cards for college students. For these reasons, the Wells Fargo Cash Back College Card is a good option.

There is an introductory APR offer for the Wells Fargo Cash Back College Card. The introductory APR is 5.90% to 13.90% Variable* for purchases for the first six months. The standard APR after the first six months for purchases is 11.15% to 21.15% Variable*. The APR that you will qualify for depends on the Prime Rate market and your personal credit worthiness. The base rate regular APR for the Wells Fargo Cash Back College Card helps make it a top student credit card. The balance transfer APR is 11.15% to 21.15% Variable* and applies to any balances you want to transfer from different loans onto your credit card. The cash advance APR is 24.9% Variable*.

When you apply for a student credit card, it is important to look not only at a card's APR but also at the fees. The Wells Fargo Cash Back College Card has a higher fee scale than others of the best college credit cards. There is no annual fee, but there is a balance transfer fee of $5 or 5% of the transaction, whichever one is higher. There is up to a $35 fee for each late payment and returned payment. The cash advance fee is different depending on whether or not you use a Wells Fargo bank. The cash advance fee is $10 or 5% from a Wells Fargo branch, or $20 or 5% if you use a participating financial institution that accepts VISA cash advance.

The rewards include 3% cash back on gas, grocery and drugstore net purchases for the first six months of using the Wells Fargo Cash Back College Card. All other purchases for the first six months are 1% cash back on net purchases, purchases minus credits, and returns. Cash rewards can be redeemed in $25 increments, are unlimited and don't expire. You can have them as checks or gift cards, or if you are a Wells Fargo customer, you can have the cash back deposited in your checking or savings account. Wells Fargo offers an Earn More Mall, which shows you locations where you can use your card and earn bonus cash back during promotional periods.

The Wells Fargo Cash Back College Card offers $0 liability protection, which means that if fraudulent purchases are made using your card, you aren't responsible for repayment. Something unique to the Wells Fargo Cash Back College Card is the cell phone protection. If you use your Wells Fargo Cash Back College Card to pay your cell phone bill, then should you lose or damage your cell phone, Wells Fargo offers replacement insurance. There are also auto rental insurance protections offered when you use the Wells Fargo Cash Back College Card to rent vehicles and to receive travel and emergency assistance.

Wells Fargo offers good member support for its cards. They have 24/7 phone and email customer support. While Wells Fargo doesn't offer live chat support, they do have a network of bank branches you can enter to speak with an actual customer service banker. Wells Fargo offers emergency card replacement and FAQs on their website.

Wells Fargo Cash Back College Card Summary:
8.1/10

The Wells Fargo Cash Back College Card give good cash back rewards while helping you to build you credit. The fees are slightly higher than other cards, but the better than regular APR* helps to offset that. The Wells Fargo Cash Back College Card is among the best student credit cards.

Disclaimer: See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "GO" button, you can review the credit card terms and conditions on the issuer's website. The Annual Percentage Rate or APR is reflective of the date this review was last updated.

 
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Wells Fargo Cash Back College Card

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