Wells fargo student loads

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Wells fargo student loan division

  • Flexible payment options
  • Quick & Easy online application
  • No credit check
  • Low interest rates

wells fargo student loan division

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  • Loan Interest Rate & Fees wells fargo student loan division. Welcome To Wells Fargo Insurance Services Student Division

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Wells Fargo personal student loan center for college students and parents. Compare student loans and much more. Home Equity. Low Rates; Student Loans. Apply Now; Personal Loans; Auto Loans; MoreBrokerage products and services are offered through Wells Fargo Advisors. Wells Fargo home mortgage loans. Let us help you finance one ofPersonal Loans; Student Loans; Smarter CreditWells Fargo Home Mortgage is a division of Wells Fargo

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Review: The Wells Fargo Student Credit Card

Here is my personal take on the Wells Fargo Student Credit Card.

The application proudly touts that students can earn 3% cash back on gas, grocery, and drugstore purchases. But keep reading and you will see that you only get that at the beginning…

Wells fargo student loads

After the first 6 months, those categories will only earn 1%, as will everything else. So basically, this is just a vanilla 1% rewards card and nothing else, since you don’t get any good benefits with it.

The interest rates ramp up after the first six months.

Wells Fargo doesn’t give a 0% intro rate. Instead, they give this:

  • 5.9% to 13.9% intro APR for first 6 months
  • 11.15% – 21.15% variable APR after 6 months

Of course you can avoid interest charges entirely if you pay off the full owed amount when the bill comes. But if you don’t do that, then you will get charged interest and it will go back retroactively to the date of the purchases.

There’s no annual fee for Wells Fargo’s student credit card. But then again, the same can be said about almost every college card on the market that’s issued by a major bank.

Obviously, anyone 18 or 19 years old will have little to no credit history. That’s why student credit cards set a low bar for the qualifications.

For income, if you have a co-signer (like mom or dad) then you personally don’t need to have any income. But if you want to apply on your own without a cosigner, the minimum income requirements are $3,000:

Wells fargo student loads

That’s slightly above average since most college credit cards I’ve reviewed have a minimum requirement of only $1,500 or $2,000. But whatever the case… even $3,000 per year is an easy level to reach!

The Wells Fargo website doesn’t spell out what you can include for “income” on the credit card application. But with most banks, students are allowed to include financial support from parents (money mom and dad give you) as well as scholarships. Crazy, huh? Though I don’t know if WF will let you count those or not.

And your credit score? There’s no officially published requirement for that. As long as you don’t have anything negative on your credit report (such as charge-offs or late payments on loans) then even a low score should be fine.

It’s possible to apply online if you already have an online account setup for Wells Fargo banking. If not, the application will have to be done in-person at a branch.

The one annoying thing about the process is that they ask you to send proof that you’re a college student:

Wells fargo student loads

This is the only student card I’ve seen that requires you to submit proof. If you put on the application that you’re a freshman at say, University of California San Diego, most credit card companies will simply take your word for it. But not WF, they are going to require proof and that only slows down the whole approval process.

Now for the #1 reason why I might recommend alternatives

This credit card isn’t bad, but it seems to be somewhat pedestrian in terms of rewards. In terms of an overall banking relationship…

I understand it can be convenient having your savings, checking, and credit card(s) all from the same institution but in this day and age it all depends on if there is a value to the relationship in terms of getting discounts or value for having multiple account relationships. Most of the large banks offer an array of financial services, including credit cards. Just do your homework before deciding to put all your eggs in one basket.

As for student credit cards, my current favorite of 2016 is the Discover it for students because it’s easy to get and gives 5% cash back on rotating categories when you signup. You can read my full review of it here.

If you don’t like rotating categories, keep in mind that Discover recently started offering another student card (the Discover it chrome for Students) that gives 2 percent cash back year round on gas and restaurants (for up to $1,000 in spending each quarter). Currently, both cards are available, so pick the one that works best for your spending patterns.


Wells Fargo® Cash Back℠ College Card

Wells fargo student loads

Fair, Limited History

  • Issuer's Customer Service: 800-642-4720
  • Issuer's Online Account ManagementWells fargo student loads

Wells Fargo® Cash Back℠ College Card's Rewards

  • 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.
  • Cash rewards are redeemed in $25 increments and you can choose to have them automatically deposited into your Wells Fargo savings account or apply rewards as a credit to a qualifying Wells Fargo product. Request a paper check or redeem in $20 increments at a Wells Fargo ATM with a Wells Fargo Debit or ATM card. Redeem rewards for travel, gift cards, and more
  • Extra cash rewards earning potential and deals at your favorite stores when you shop the Earn More Mall®.

Wells Fargo® Cash Back℠ College Card's Key APRs & Fees

  • ANNUAL FEE Wells fargo student loads None
  • BALANCE TRANSFER FEE Wells fargo student loads 3% (min $5)

Wells Fargo® Cash Back℠ College Card's Additional Info

  • MAX LATE FEE Wells fargo student loads $37
  • MAX OVERLIMIT

FEE Wells fargo student loads None

  • MAX PENALTY APR Wells fargo student loads None
  • GRACE PERIOD Wells fargo student loads 25 days
  • ONLINE RESPONSE Wells fargo student loads No
  • CASH ADVANCE

    RATE Wells fargo student loads 24.99% (V)

  • CASH ADVANCE

    FEE Wells fargo student loads 5% (min $10)

  • FOREIGN

    TRANSACTION FEE Wells fargo student loads 3%

  • SMART CHIP Wells fargo student loads Yes, chip-and-signature
    • Overdraft protection: You may link your credit card to your checking account to help avoid overdrafts.
    • Powerful mobile and online tools and apps to help manage your account and expenses, 24/7.
    • Zero Liability program: All Wells Fargo Credit Cards automatically protect you from liability for unauthorized transactions when you report them promptly.
    • Visa benefits: Auto rental collision damage waiver, Emergency card replacement, Roadside dispatch and Travel and emergency assistance services.
    • Verified by Visa: Protect your Wells Fargo Visa card with a unique password for online shopping.

    If you are interested in the Wells Fargo® Cash Back℠ College Card, check out the following credit cards as well:

    Customer Questions and Answers

    Don't see what you're looking for? Submit your question about Wells Fargo® Cash Back℠ College Card to our community.

    Do you still have to pay monthly even if you are not using the card? Both the Annual Fee and the APR? Is the annual fee and the APR 0% for 12 months only?

    Wells fargo student loads

    Do you have to have a certain income?

    Wells fargo student loads

    Does this card report to all three credit companies?

    Wells fargo student loads

    How much monthly income does a college student need to qualify for this card? If the student has no credit history and has been denied credit from another bank, are they still eligible to apply?

    Wells fargo student loads

    Do I have to be enrolled in college at the time of application?

    Does this college card cause overdrafts in your account?

    Wells fargo student loads

    I'm looking for a good first card for my son, who is off to college in the fall.

    Is this card secured or unsecured?

    Wells fargo student loads

    Do I have to have money in my checking account to use my college card?

    Wells fargo student loads

    I'm skeptical about this. I've never had a credit card before and am having trouble understanding how to pay for it every month. I signed up for the minimum payment but don't know how much it would be if I started to use it. I'm thinking about cancelling the account all together because honestly I don't think I need a credit card at all..please help me understand what I should do!

    Wells fargo student loads

    Wells Fargo® Cash Back℠ College Card Review: Editor’s Take

    • Only good for the first half-year. All of the Wells Fargo Student Credit Card’s best features are crammed into the first six months your account is open. You will receive 3% cash back on gas, groceries and drugstore purchases — but only for the first six months. After that, you’ll earn just 1% back on all purchases, which is about average for a cash-back credit card. Furthermore, you’ll get 0% intro rates on new purchases and balance transfers, but again, only for six months. Afterwards, even with the lowest regular APR assigned, it would be better not to carry a balance from month to month, which is not advised when trying to build your credit rating. For context, the average student credit card has a 17.63% APR.
    • No annual fee is a necessity. It’s important for students to get a card with no annual fee because low-cost credit improvement should be their top priority. In that sense, the Wells Fargo College Credit Card fits the bill. However, most student cards don’t charge annual fees, so this won’t be the deciding factor.
    • Rewards-redemption rigidity. The Wells Fargo College Card only lets you redeem your cash back in increments of $25. That means you’ll have to carefully plan redemption in order to cash in your total earnings.
    • Watch out for foreign fees. If you want a card to use while studying or backpacking abroad, make sure to get one with no foreign-transaction fees. This will save you about 1.76% on every purchase relative to the average credit card and 3% compared to the Wells Fargo Cash Back College Card. Furthermore, a no-foreign-transaction-fee credit card will help you save up to 11% on currency conversion.
    • Not one of 2017’s best student cards. College usually takes a lot longer than six months to complete, which is why the Wells Fargo Student Card’s limited-time features don’t quite do the trick. So we recommend checking out WalletHub’s picks for the year’s best student credit cards before making up your mind.

    Wells fargo student loads

    Wells Fargo® Cash Back℠ College Card Reviews

    Share your insights and review the Wells Fargo® Cash Back℠ College Card .

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    WalletHub is an independent comparison service.

    We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

    Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored9rdquo; at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

    Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.

    Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.

    Last updated on: August 25th, 2017 at 12:17

    If you are interested in the Wells Fargo® Cash Back℠ College Card, check out the following credit cards as well:

    WalletHub is an independent comparison service.

    We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

    Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored9rdquo; at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

    Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.

    Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.

    Offer last updated: Aug 25th, 2017 at 12:17 ET


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