Wells Fargo Cash Back(SM) College Card

The Wells Fargo College Cash Back Visa® card is a great way to start building your credit while you're still in college.

  • Get access to online tools and a mobile app that helps you keep track of your expenses.
  • Use your card responsibly and earn rewards with virtually every purchase.
  • Receive 3% cash rewards on gas, grocery, and drugstore net purchases* for 6 months, 1% cash rewards on virtually all other net purchases everyday.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit, Good Credit Student $0* N/A* N/A* 12.65%* - 22.65%* Cash Back


Quick Summary:
This is a Store cash back rewards card issued by Wells Fargo. This card may be restricted to college students with a nearly perfect credit history. It is unlikely, but possible that you will be asked for proof of acedemic involvement before finalization of the card acceptance. Rates may vary among applicants, however the lowest standard APR is 12.65%* and may be as high as 22.65%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a fairly solid or limited credit record, with no recent negative marks on their report. A FICO credit score of 676 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Wells Fargo product.

Other Basics:
The grace period listed for the Wells Fargo Cash Back(SM) College Card is at least 25 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date.

Before applying, you may need information about your college or university, such as the name, address, phone numbers, and dates attended.This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser.

Approval Rate:
There were 2 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 100% of those applicants were approved.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 676, then your chance of approval may be even greater.

Approval Time:
Great news for applicants that do not want to wait on a application status. This card offer may give instant approval decisions. Remember, this may not be true in all cases, where application information may not be complete, questionable or for other reasons. When applying on-line, the system will normally show your approval status shortly after submitting your application. Credit cards normally take 1 or 2 weeks to arrive after your application is approved.

Community Opinion:
Based on community reviews, we found that 100% of 1 user recommend this card.

It's fast and easy to compare card offers by the criteria you require. That way you get the best card for your needs. Find more credit cards.