An eligible Wells Fargo Credit Card that participates in the Go Far Rewards Program. Cash Rewards do not expire while this Credit Card account is open. If you have a joint Account, a notice to one of you will serve as a notice to both of you. Your mobile carrier’s message and data rates may apply. A consumer report from consumer reporting agencies will be obtained in considering this application and for the purposes of any update, renewal, extension of credit, review or collection of the account. Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. After 6 months, you’ll earn 1 cash back on all purchases. You authorize the Bank to obtain information from others to investigate your credit, employment and income history and state records including state employment security agency records and to report information regarding your account to consumer reporting agencies. "You," "Your," or "Customer" means each person who owns a Wells Fargo rewards-based Credit Card and participates in its. We may also ask for your driver's license or other identifying information. Set up budget tools through Wells Fargo Online. Benefits & Fees & Bonus. Spending at least $500 within 3 months of getting the Wells Fargo Cash Wise credit card will score you a $150 bonus. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. You will lose any unredeemed Rewards remaining after the three-month period. You can’t have a credit limit lower than $300. You may continue to use Your Credit Card if You follow the Credit Card's terms and conditions. We're sorry, but some features of our site require JavaScript. You can redeem for cash back (in $25 increments) that is deposited into your eligible Wells Fargo account, mailed to you by check or withdrawn from an ATM (in $20 increments if by ATM). For each billing period we will use the U.S. Prime Rate, or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of. If you do not do so, your requests for certain services such as balance transfers, Wells Fargo Online and ATM access may be delayed and you may be denied access to your account. It also offers decent rewards, plus, cellphone and auto rental insurances. If you have a joint checking account, you will be responsible for all advances, including interest and charges, from your credit card to cover overdrafts, regardless of who writes the check, makes the debit card purchase, or engages in any other transaction that causes the overdraft. You must have a Wells Fargo Debit or ATM Card in order to redeem rewards at a Wells Fargo ATM. To qualify for the Wells Fargo Cash Back CollegeSM Card, students must be the age of majority or emancipation in the state of residence; and meet other credit qualifications. While making a balance transfer may be beneficial to you, balance transfers also may have limitations and/or fees associated with them so please consult your account agreement before making a balance transfer. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. The Bank is authorized to verify or check any of the information given, to obtain credit reports on you and to make Overdraft Protection advances if you requested that feature. 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. Other restrictions and requirements apply. To set up automatic payments sign on to Wells Fargo Online, and access Pay WF Accounts through the Transfer & Pay menu. Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions. Optional Reward Program - The Wells Fargo College Visa allows you to enroll in Wells Fargo reward program. Annual fee: None. You can request credit limit increases and decreases in $100 increments. Annual Percentage Rate (APR) for Balance Transfers. Seleccione el enlace si desea ver otro contenido en español. Contact Wells Fargo for details. After that, your APR will be 11.15% to 21.15%, based on your creditworthiness. A Wells Fargo Cash Back College Card can help you establish credit history as you buy the things you need while in college – and you can earn cash rewards. $12.50 if the total of overdraft protection advances for the day is $50 or less;$20 if the total of overdraft protection advances for the day is greater than $50. If you are married, by submitting your credit card application you are confirming that this credit card obligation is being incurred in the interest of your marriage and your family. This application is for a credit card with Wells Fargo Bank, N.A. Purchases not processed using these merchant codes for Visa mentioned above will not qualify for bonus cash rewards. If you are charged interest, the charge will be no less than $1.00. Please do not enter any personal or account information in this box. This may include automated dialing devices, prerecorded/artificial voice messages, mail, e-mail, text messages, and calls to your cell phone or Voice over Internet Protocol (VoIP) service, or any other data or voice transmission technology. The minimum credit limit, provided you meet the terms and conditions of this offer, is $500.00. You hereby stipulate to the terms of the arbitration program described in the Agreement. You may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers if you opened a Wells Fargo Credit Card within the last 15 months from the date of this application and you received introductory APR(s), fees, and/or bonus rewards offers - even if that account is closed and has a $0 balance. This information may have changed after that date. Please review the Visa Guide to Benefits (PDF) for details. You hereby stipulate to the terms of the arbitration program described in the Agreement. If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. A consumer report from consumer reporting agencies will be obtained in considering this application and for the purposes of any update, renewal, extension of credit, review or collection of the account. The minimum dollar amount that must be paid each month before the payment due date. All rights reserved. Your phone will be protected against damage and theft. APR for Cash Advances and Overdraft Protection Advances. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. Please call to activate your new card as soon as you receive it. Your phone is also protected with Wells Fargo Cash Back College Card. The Wells Fargo Cash Back College Card is a basic student credit card, with a mediocre rewards program. Wells Fargo Cash Back College℠ Card's Rewards Earn 3% cash back on gas, grocery and drugstore net purchases up to $2,500 spent for the first 6 months and 1% cash back... Have cash automatically deposited into your Wells Fargo savings account in $25 increments or apply rewards as a … The Wells Fargo Cash Back College Card is designed for college students who want to earn rewards while building a good credit history. The Wells Fargo Cash Back℠ College Card lets you earn cash back and has a $0 annual fee. This includes your name, mailing address, e-mail addresses, or phone numbers. $12.50 if the total of overdraft protection advances for the day is $50 or less;$20 if the total of overdraft protection advances for the day is greater than $50. You give consent to allow us to contact your past, present and future phone service providers to verify the information you have provided against their records. You can earn Rewards in a variety of ways, including purchases made with Your Credit Card at qualifying merchants, with other promotions or offers, or through the Earn More Mall. We review the information provided on your application and other information about your creditworthiness. The "Margin" for cash advances and overdraft protection advances will be 20.74 percentage points. The Wells Fargo Cash Back College℠ Card is the only student card in the Wells Fargo lineup, but offers a strong combination of rewards, intro APR and travel perks. Electronic failure or issues related to the software of the device are not covered. Rewards only have cash value when You redeem them. There may be other options available to protect against overdraft that may be less costly. When this happens, Your ability to earn and redeem Rewards changes until the Credit Card is not delinquent or closes. Selecione Cancele para permanecer en esta página o Continúe para ver nuestra página principal en español. If you already have a Wells Fargo credit card, but you do not have a Wells Fargo checking account: If you already have a Wells Fargo checking account, call, Unless an introductory or promotional APR is in effect, we will add a “Margin” to the U.S. Prime Rate to determine your standard variable APR. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. It reports payment data to all three credit bureaus. Cash redemption options by phone or online are redeemable in $25 increments only. This is everything you need to know to make a good choice. For us to service your Account or to collect any amounts you may owe, you agree that we may contact you using any contact information related to your Account including any number (i) you have provided to us (ii) from which you called us, or (iii) which we obtained and reasonably believe we can reach you. If we are able to provide you an approval, the confirmation page and email will also display your credit limit. You may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers if you opened a Wells Fargo Credit Card within the last 15 months from the date of this application and you received introductory APR(s), fees, and/or bonus rewards offers – even if that account is closed and has a $0 balance. It was the first card I opened 6 years ago. If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. Your mobile carrier's message and data rates may apply. Either $10 or 5% of the amount of each advance, whichever is greater. By participating in this Program, You agree to these Terms and acknowledge that You must also consent to certain agreements for online use of Your account. If you are a married applicant you may apply for credit in your own name. That rate then falls to a 1 percent for all purchases. Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. 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. This APR will vary with the market based on the U.S. Prime Rate. Making a late payment or missing a payment can hurt your credit score. Note: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. There may be a maximum limit on the dollar amount of the rewards redemptions for cash that you can make each day at a Wells Fargo ATM. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Rewards associated with that Credit Card are not available for redemption, transfer or gifting. Learn More. For additional information on overdraft protection using your credit card, please visit www.wellsfargo.com/credit-cards/features/overdraft-protection. Your credit card must be activated; if it is not activated, no money will transfer to cover the overdraft. Cash Advances. The selling point of the Wells Fargo card is the 3 percent cash back on gas, grocery, and drugstore purchases for the first six months, and 1 percent on virtually all other purchases for the life of the card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. Wells Fargo Cash Back College Visa® Card Reward Program. If you enroll in the program, you will have to pay $19.00 a year, or use 2,000 points to have the fee waived. disappear without explanation). The Wells Fargo Cash Back College Visa’s six-month period of 3% cash back in those popular spending areas is a good deal. How to Avoid Paying Interest on Purchases. Use this calculator with your current card, or to investigate a new card … The Ohio Civil Rights Commission administers compliance with this law. 3% cash rewards earned for up to $2,500 spent on gas, grocery, and drugstore purchases for the first 6 months, 1% cash rewards for each $1 spent on virtually all other purchases with your card, Extra bonus cash rewards earning potential and deals at your favorite stores when you shop our, Redeem cash rewards automatically into your Wells Fargo savings account – cash rewards are redeemed in $25 increments. For complete coverage benefits and exclusions regarding this protection, go to www.wellsfargo.com/ctp.Note: Call your cellular provider (or sign on to their website) and request to set up automatic payments. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. 1% cash rewards on virtually all purchases. 2. I also have a Wells Fargo Cash wise card, which used to be a a college card with 1% cash back and it has a $5,500 credit limit. You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months. Wells Fargo is one of the numerous financial services providers out there that offer credit cards that are intended to be as compatible as possible with the needs of college students. Either $10 or 5% of the amount of each advance, whichever is … Apply rewards as a credit to a qualifying Wells Fargo credit product. Your due date is at least 25 days after the close of each billing period. If you do not do so, your requests for certain services such as balance transfers, Wells Fargo Online and ATM access may be delayed and you may be denied access to your account. This protection may not be equivalent to or better than other applicable coverage. Sign up may be required. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. Generally, we will apply your minimum payment first to lower APR balances (such as purchases) before balances with higher APRs (such as cash advances). The Wells Fargo Cash Back℠ College Card provides 3% cash rewards earned for up to $2,500 spent on gas, grocery, and drugstore purchases for … Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus cash rewards. View the complete Go Far® Rewards Program Terms and Conditions. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. Electronic failure or issues related to the software of the device are not covered. Each approved claim has a benefit limit of $600. Then, you can manage your accounts on the go with our Wells Fargo Mobile app or from your mobile browser. The Wells Fargo Cash Back College Card earns the following rewards: For the first six months: 3% back on up to $2,500 in spending on gas, grocery and drugstore purchases. Deposit products offered by Wells Fargo Bank, N.A. © 1999 - 2021 Wells Fargo. Upon request, we will inform you of the name and address of each consumer reporting agency from which we obtain a consumer report relating to you. This benefit does not cover cell phones that are lost (i.e. Also known as credit line, this is the maximum amount you can carry as the balance on your credit card. For specific account-related questions or comments, please visit Customer Service. I hate it lol. My issue is that while I can always pay off my card I tend to … You may also earn bonus Cash Rewards for promotions or offers connected to Your Credit Card account. You may not qualify for the lowest APRs disclosed above. No provision of any marital property agreement (pre-marital agreement), unilateral statement under 766.59 of the Wisconsin Statutes, or a court decree under 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decrees or has actual knowledge of the adverse provision. The Wells Fargo Cash Wise Visa® card is a solid $0-annual-fee cash-back credit card, offering 1.5% cash back on purchases, an introductory 0% APR period and a decent sign-up bonus. Find an ATM or banking location near you. You give consent to allow us to contact your past, present and future phone service providers to verify the information you have provided against their records. After that, your APR will be 11.15% to 21.15%, based on your creditworthiness. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Wells Fargo Cash Back College Card is a rewards credit card issued by Wells Fargo Bank. If you spend $150 a month, you’ll earn $18 cash back over a full year after the intro rate is up. You can request a credit limit increase (CLI) directly from Wells Fargo by phone or online. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. And with Wells Fargo, the process for requesting a bigger credit line is very straightforward.

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