Wells Fargo Cash Back College Visa Card Review With Pro And Cons – 19 Points

1. Wells fargo cash back college card is good choice for students who want to build credit. Go for this card if you want 0% intro apr and temporary great cash back on gas, groceries and drugstore purchases. You will also get complimentary cellphone insurance.

2. Reward Rate:

3% cash back for up to $2,500 spent on gas, grocery, and drugstore purchases for the first 6 months.
Enjoy 1% cash rewards for other purchases.

3. Annual Fee:

$0

4. Intro Apr:

0% intro apr on purchase and balance transfer for 6 months.

5. Regular Apr:

13.40% to 23.40% variable

6. Sign Up Bonus:

N/A

7. Penalty APR:

None

8. Pros:

No annual fee
Cell phone insurance
0% intro apr on purchase and balance transfer
Help students to build credit
3% rewards on gas, grocery and drug store for first 6 months.

9. Cons:

Foreign transaction fee (No good for traveling)
Cash back bonus categories disappear after 6 months.
High late fee.
Apr go up after 6 months.

10. Wells Fargo Cash Back College Card is not for you:

If you want sign up bonus.
If you want consistent high rewards.

11. Balance transfer fee:

5% Min $5

12. Foreign Transaction Fee:

3%

13. Cash Advance Fee:

5% Min $10

14. Cash advance rate:

26.24% variable

15. Late payment fee:

Up to $37

16. Customer Experience:

24/7 customer service?:
Yes
Online chat available?:
Yes
Google Play Store mobile app rating:
4.4/5
Apple Store mobile app rating:
4.8/5

17. Credit Needed:

N/A

18. Other Benefits:

Emergency card replacement
Roadside dispatch
Travel and emergency assistance services
Auto rental collision damage waiver
Cell phone protection
Zero Liability protection
Overdraft Protection
Alerts to help monitor purchases, payment due dates, and more.
Chip technology for better protection
Digital payment options

19. Get Wells Fargo Cash Back College Visa Card:

If you are student and want to build credit.
If you are wells fargo customer.
If you want to transfer balance with 0 % intro balance transfer offer.
If you want to finance large purchase with 0 % intro apr for purchase offer.
If you want high initial reward rate.
If you want decent reward rate.

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