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Wells Fargo Cash Back College Card Review

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The Wells Fargo Cash Back College Card is a credit card for college students that gives you cash back rewards and helps you build credit. To be eligible for this student credit card offer, you must have a source of income, be over 18 years old and be currently enrolled as a student. The rewards and APR help make this a good credit card for college students.

Wells Fargo’s Cash Back College Card comes with an introductory APR. The introductory APR is low for purchases made in the first six months. The standard APR after the first six months is a higher variable rate. The APR you qualify for depends on the Prime Rate market and your personal credit worthiness. The card’s base APR rate helps make it a good student credit card. The balance transfer APR has a wide range and applies to any balances you want to transfer from different loans onto your credit card. There is also a cash advance APR.

When you apply for a student credit card, it is important to look not only at a card's APR but also at the fees. The Wells Fargo Cash Back College Card has a high fee scale. There is no annual fee, but there is a balance transfer fee. In addition, there is a fee for each late payment and returned payment. The cash advance fee is different depending on whether or not you use a Wells Fargo bank.

The student credit card’s rewards program includes cash back on gas, grocery and drugstore net purchases for the first six months of using the Wells Fargo Cash Back College Card. All other purchases for the first six months earn 1 percent cash back on net purchases, purchases minus credits and returns. Cash rewards can be redeemed in increments, are unlimited and don't expire. You can receive your cash back as a check or on gift cards, or if you are a Wells Fargo customer, you can have the cash back deposited in your checking or savings account. Wells Fargo offers an Earn More Mall, which shows you locations where you can use your card and earn bonus cash back during promotional periods.

The Wells Fargo Cash Back College Card offers $0 liability protection, which means that if fraudulent purchases are made using your card, you aren't responsible for repayment. Something unique to the Wells Fargo Cash Back College Card is the cell phone protection. If you use your Wells Fargo Cash Back College Card to pay your cell phone bill, then should you lose or damage your cell phone, Wells Fargo offers replacement insurance. There is also auto-rental insurance protection when you use the Wells Fargo Cash Back College Card to rent vehicles, as well as travel and emergency assistance.

Wells Fargo offers good member support for its cards. It has 24/7 phone and email customer support. While Wells Fargo doesn't offer live chat support, it does have a network of bank branches you can visit to speak with an actual customer service banker. Wells Fargo has emergency card replacement and a FAQs page on its website.

Disclaimer: See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "GO" button, you can review the credit card terms and conditions on the issuer's website. The Annual Percentage Rate or APR is reflective of the date this review was last updated.