Wells Fargo Cash Back College

The Cash Back College card is no longer accepting applications, so it only matters to students and recent grads who already have one. It earns a flat 1% cash back on everything with no annual fee, which is simple but thin by current standards. Its main value now is as an established, no-cost account that helps build credit history over time. Keeping it open and lightly used can help the age of your credit file, but it is not worth routing everyday spending through. Once your credit is established, a card with a higher flat rate or bonus categories will earn noticeably more.