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About Our Ratings
Credit Needed
Limited

Wells Fargo® College Card Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Annual Fee
None

This card compared to other cash back cards

Card Name
Wells Fargo® College Card
Cashback on Gas
Unlimited 1.5% cash back
5%
Cashback on Groceries
Unlimited 1.5% cash back
1%
Cashback on other
Unlimited 1.5% cash back
5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam's Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
5.90%
Period:
6 months
APR:
0% Intro APR on Purchases
Period:
15 months
APR:
0%
Period:
12 months
Purchase APR
13.15% - 20.15% Variable 
14.24%-23.24% Variable 
11.24% - 23.24% Variable 
CardRatings.com Editorial Staff

Wells Fargo® College Card details

Balance Transfer Intro APR:
5.90%
Balance Transfer Intro Period:
6 months
Purchase Intro:
APR:
5.90%
Period:
6 months
Purchase APR:
13.15% - 20.15% Variable
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 9.90 - 16.90
 9.90 - 16.90
 20.74
APR:
  13.15% - 20.15% Variable
 13.15% - 20.15% Variable
 23.99% Variable
APR Floor:
 N/A
 N/A
 N/A
Intro Rate:
 5.90%
 5.90%
 N/A
Intro Period:
 6 months
 6 months
 N/A


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 None
Default/Penalty Margin:
 N/A
Default/Penalty APR Floor:
 
Penalty/Default Trigger:
 N/A

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 3%
Late Fee:
 Up to $35
Over-the-limit Fee:
 N/A
Balance Transfer Fee:
5% ($5 min. )  


Notes:

Rebate Description:
 3% cash back on gas, grocery and drugstore net credit card purchases (purchases minus returns/credits) for 6 months and 1% cash back on all other net purchases.
Special Notes:
 You must be a US resident, minimum 18 years of age, and a student enrolled in an accredited two or four year college, university, or trade school. Applicants must be able to demonstrate the ability to individually repay their debt and have a minimum income greater than $3,000. If not, a co-applicant will be required and must apply jointly at the time of application. If your income is over $12,000 a year, the no-annual-fee Wells Fargo Platinum Card is a more appropriate card for you. Balance Transfer Fees: Either $5 or 3% of the amount of each balance transfer, whichever is greater, for 6 months. After that, up to 5% for each balance transfer, with a minimum of $5. Cash Advance Fees: Either $10 or 5% of the amount of each advance, whichever is greater, for each SUPERCHECKS advance, ATM advance or advance through the Wells Fargo Online banking program or customer service; Either $20 or 5% of the amount of each advance, whichever is greater, for each advance obtained in person at a participating financial institution or other source.
Credit Card More Information:

Card Issued By:
 Wells Fargo Bank, NA
General Correspondence Address:
 PO Box 10347
Card Type:
 Visa
Card Class:
 Signature
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good
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  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam's Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
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  • No annual fee.
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Credit Needed:
Excellent/Good