Wells Fargo Cash BackSM College Card

Build credit and earn cash rewards

Your college years are the perfect time to establish good credit. Plus, take advantage of unlimited cash rewards with the Wells Fargo Cash Back College Card.

Shop online, buy your books, pay your bills, and be prepared for emergencies with the Wells Fargo Cash Back College Card. You’ll earn 3% cash back on gas, grocery, and drugstore net purchases (purchases minus returns/credits) for 6 months and 1% cash back on all other net purchases. Plus get access to valuable, built-in credit education tools.

Responsibly using a credit card in your name while in college can help you establish a good credit history while you buy the things you need for college. You’ll find that you need good credit to do almost everything from buying a car to renting an apartment to establishing utility services.

Annual fee


Annual Percentage Rate (APR)

This card works with a college student's budget, offering an introductory APR as low as 5.9% – 13.9% for 6 months on purchases, then depending on your credit qualification, an APR from 11.15% – 21.15% , which varies with the market based on the U.S. Prime Rate. (These APRs do not apply to cash advances.) See the full terms and conditions.

Read the Wells Fargo Cash Back College Card Agreement (PDF*).

All Wells Fargo credit cards are subject to credit qualification. Wells Fargo reserves the right to change terms, rates, and fees at its discretion in accordance with the card agreement and applicable law. Generally, we will apply your minimum payment first to lower APR balances (such as purchases) before balances with higher APRs (such as cash advances). Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. To qualify for the Wells Fargo Cash Back College Credit Card, students must be the age of majority/emancipation in the state of residence, show proof of enrollment in an accredited college, university, or trade school, and meet other credit qualifications. Applicants must be able to demonstrate the ability to individually repay their debt. Applicants who do not meet this criteria will be required to obtain a co-applicant with an ability to repay the debt. Students with an income of more than $12,000 a year should apply for the Wells Fargo Cash BackSM Card instead.

How to earn and redeem your cash rewards

Earn unlimited cash rewards with no complicated calculations, no minimum purchase requirements, and no expiration dates.

  • Earn 3% cash back on gas, grocery, and drugstore net purchases (purchases minus returns/credits) for 6 months and 1% cash back on all other net purchases.
  • Easily track your cash rewards by signing on to Wells Fargo Online® and Wells Fargo Mobile Banking and viewing your Credit Card Account Activity page. You can also check your rewards on your monthly statement.
  • Redeem your cash rewards your way. Cash rewards are redeemed in $25 increments, and you can choose to have them automatically deposited into your savings or checking account. You may also choose to apply them as a principal reduction to your qualifying personal loan or personal line. If you prefer, you can get them as a statement credit or check. You can even elect to redeem your rewards for travel and more; sign on to mywellsfargorewards.com to see all the options.

Boost your earning potential and find great deals at your favorite local and national stores at our Earn More Mall site. With more than 3,000 popular in-store and online retailers, it’s never been easier to earn a little extra. Earn additional cash, when you shop the Earn More Mall site.

Also, we have many tools to help you manage your account and keep your credit strong including:

  • Powerful mobile and online tools and apps to help manage your account and expenses, 24/7.
  • Free credit education tools , tips, and newsletters to help you learn to build a solid credit history and manage your credit wisely.

Zero Liability program

All Wells Fargo Credit Cards automatically protect you from liability for unauthorized transactions when you report them promptly.

Overdraft Protection

You may link your credit card to your checking account to help avoid overdrafts.

Cellular Telephone Protection

Help protect your cellular telephone from damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Credit Card.

Rapid Alerts

For Visa® customers. Get fast text and email alerts for monitoring spending, tracking purchases, and receiving notifications of irregular or suspicious activity.

Visa® payWave

Make purchases faster than ever. No need to swipe your card — simply hold it in front of the reader at checkout.

Verified by Visa ®

Protect your Wells Fargo Visa card with a unique password for online shopping.

Visa benefits:

  • Auto rental collision damage waiver
  • Emergency card replacement
  • Roadside dispatch
  • Travel and emergency assistance services

Download the Visa Guide to Benefits (PDF*) to learn more.

Wells Fargo Cash Back College Card questions

What should I expect after I apply online?

Upon submitting the online application, you will receive the status of your application on the confirmation page and we will send you a confirmation email.

If we are able to provide you an approval, the confirmation page and email will also display your credit limit.

If we need more time to review your application, you will receive an application ID and a phone number that you can call to check your application status.

How do I find my cash rewards balance for my Wells Fargo Cash Back College Card?

You can check your current cash rewards balance many ways:

  • Sign on to Wells Fargo Online® or Wells Fargo Mobile Banking and select your credit card account to review your cash rewards summary. 
  • Check your most recent statement. You'll find your cash rewards balance in the Program Summary section of your statement. 
  • View your cash rewards balance at any Wells Fargo ATM.
  • Call customer service at 1-800-642-4720 at any time.

How do I use my credit card for Overdraft Protection?

You must have a Wells Fargo checking account and a Wells Fargo Credit Card to use this optional service.

If you don't have a Wells Fargo Credit Card:

If you already have a Wells Fargo Credit Card, but you do not have a Wells Fargo checking account:

  • Apply for a checking account and select the Overdraft Protection box on the application. Subject to credit qualification.
  • If you already have a Wells Fargo checking account, call 1-800-642-4720 to enroll.
See all credit card FAQs

Help build good credit with the Wells Fargo Cash Back College Card Apply Now
You can also call 1-800-932-6736 or apply in person at a Wells Fargo location near you.


Credit card charges you make at merchants. Purchases usually have a lower APR than cash advances.

Annual Fee

A fee charged once a year for maintaining an account and for any special services. Be sure to check the terms and conditions of the account to see if an annual fee applies.

Annual Percentage Rate (APR)

The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance.

Prime Rate

Most of Wells Fargo's credit cards use the "prime rate" as a base rate (e.g., "prime + 12%"). The prime rate used is taken from the Money Rates column of The Wall Street Journal. The prime rate is merely a base rate used to make loans to certain borrowers. It is not necessarily the lowest or best rate at which loans are made. (The precise manner in which the rate is determined is in our Customer Agreement and Disclosure Statement.)

Cash Advance

You can get a cash advance from your account in a variety of ways, including at banking locations, through the use of a PIN at an ATM and in a variety of other ways. Each cash advance that you obtain will accrue interest from the date the cash advance is made — there is no grace period for cash advances. Cash advance fees may also apply. Please refer to your account agreement for more information about cash advances.

Cardholder Agreement

The Cardholder Agreement details the terms and conditions of your credit card account and includes information such as the rate, fees, and other cost information associated with the account.

Minimum Monthly Payment

The minimum dollar amount that must be paid each month before the payment due date. The minimum payment amount may vary monthly depending on account activity; you may find your current minimum payment on your current monthly billing statement.


An outstanding amount of money. A checking or savings account balance refers to the amount of money in a particular account. A credit card balance refers to the amount owed. See also Outstanding Balance.

Credit Limit

Also known as credit line, this is the maximum amount you can carry as the balance on your credit card. If you exceed this amount, an Over-the-Credit-Limit-Fee may be imposed.