Wells Fargo Cash Back College Card Review

Rating: 6.5 / 10 (Very good)
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The Wells Fargo Cash Back College Card is available to college students who are at least 18 years old and requires no previous credit history. The card's 1% cash back rewards on all purchases and added services, like roadside assistance and cell phone protection, are attractive extras to consider before getting a first credit card.

How is Wells Fargo Cash Back College Card rated?


Card Characteristics
Additional Services
Customer Experience

Overall Rating: 6.5 / 10 (Very good)

Overall, the Wells Fargo Cash Back College card is a decent choice for students with no credit history. The introductory APR and the card's no annual fee are on par with other credit cards that cater to college students. Those looking for rewards and bonuses, however, may want to consider other options.

Wells Fargo Cash Back College Card Card Characteristics

Card Characteristics - 6.8 / 10

The Wells Fargo Cash Back College Card is a good no-frills option for a first credit card. It's no annual fee and 0% introductory rate for six months are attractive features. Customers can also get an emergency card replacement if their card is lost, stolen, or damaged.

Quick View

Minimum APR
Maximum APR
Card Type
Minimum Age
Introductory Rates
0% APR for 6 months on purchases


  • Proof of Income
  • Social Security Number

Fees and Penalties

  • Late Fees
  • Foreign Transaction
  • Cash Advance
  • Balance Transfers
  • Overdraft Protection

Wells Fargo Cash Back College Card Additional Services

Additional Services - 6.5 / 10

The Wells Fargo Cash Back College Card doesn't offer many of the services commonly available through other financial institutions. However, cardholders can benefit from roadside assistance and a cellular protection plan if they pay their phone bill through Wells Fargo. This card also has added fraud protection through the EMV chip and biometric authentification questions on the bank's mobile app.


Cash Back Rewards
Wholesale Stores

Extra Services

  • Travel Assistance
  • Car Rental Collision Damage Waiver

Wells Fargo Cash Back College Card Customer Experience

Customer Experience - 6 / 10

Students who sign up for the Wells Fargo Cash Back College Card have access to round-the-clock customer service by phone. Although there has been a significant number of complaints filed against the bank with the CFPB, that's not unusual for a company as large as Wells Fargo.

Customer Service

24/7 Support
Live Chat

Customer Satisfaction

Trust Pilot Rating
2.3 out of 10
CFPB Total Complaints
Date Collected

Company Profile

Full Name
Wells Fargo Cash Back College Card
Company Website
420 Montgomery Street, San Francisco, CA, 94163

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Top Rated
8.2 / 10
  • Easy-to-meet requirements
  • Travel protections
  • Purchase protections
  • First late-fee waiver
  • All the benefits of a MasterCard Platinum
  • Ideal for foreign students