My kid is a senior, and I still put some money on wiscard for him because of bookstore, the occasional snack etc on campus. Since you can load both, online, it is easy to adjust as you move forward. I will say, the first year my son lived off campus, he ate a lot in Gordon with friends, it was just so much easier than the alternatives. So he went through more money on wisc card that first year off campus. I would imagine that a freshman in Lucky will also, often grab food in Gordon’s etc with on campus friends, and so could use more on wisc card this year than in future years.
Good luck to her – UW is a fabulous place, and my kid has had amazing experiences in class and out of class.