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Wells Fargo Cash Back College Visa® Card

Start building credit today with the Wells Fargo Cash Back College Visa® card

A good credit history can help give you more financial freedom and choices down the road — and possibly help lower your interest rates on future purchases like a car or home loan.

  • Learn more about establishing good credit and how it can help you achieve your financial goals, visit
  • Buy the things you need for college with our low intro APR rate.
  • Enjoy $0 Annual Fee
  • Receive 3% cash rewards on gas, grocery, and drugstore net purchases for 6 months, 1% cash rewards on virtually all other net purchases everyday.

What you’ll need to apply

  • An existing Wells Fargo relationship. (Otherwise, please apply at a Wells Fargo location)
  • Social Security number
  • School information
  • Income information

Build Credit

With a Wells Fargo Cash Back College Card and responsible use, you will have many tools to help you manage your account and keep your credit strong including:

  • Sort your monthly expenses against your budget with My Spending Report and Budget Watch through My Money Map.
  • Free access to online credit education courses and tips to help you manage credit wisely.

How to earn and redeem your cash rewards

Earn 1% cash rewards on net purchases.

  • Earn 3% cash rewards on gas, grocery, and drugstore net purchases for 6 months and 1% cash back on virtually all other net purchases.
  • Cash Redemptions your way. Cash rewards are redeemed in $25 increments, and you can choose to have them automatically deposited into your Wells Fargo Savings account. You may also choose to apply them as a credit to a qualifying Wells Fargo credit product. If you prefer, you can request a paper check. You can even elect to redeem your rewards for travel and more; sign on to 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 an extra cash rewards. Earn additional cash rewards when you shop the Earn More Mall site.

Annual Percentage Rate (APR)

An introductory APR as low as 0% for 6 months on purchases, then depending on your credit qualification, an APR from 11.40% – 21.40%. (These APRs do not apply to cash advances.) See the full terms and conditions.

Annual Fee


Read the Wells Fargo Cash Back College Visa® Card Agreement.

Generally, we will apply your minimum payment first to lower APR balances (such as purchases) before balances with higher APRs (such as cash advances).

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 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, you may want to consider applying for the Wells Fargo Cash BackSM 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.

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.

Chip Technology

A Wells Fargo credit card with chip technology offers broader acceptance internationally and better protection against counterfeit fraud when used at a chip-enabled terminal.

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.

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.
Call customer service at 1-800-642-4720 at any time.

Learn more about chip cards

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

Please note that the offers displayed on this page may differ from offers you may have received from Wells Fargo. Please refer to your offer specific disclosures for more details.

Annual Percentage Rate (APR)

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

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.

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.

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.

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.