The Wells Fargo Business Cash Wise Credit Card, Signify Business Cash℠ Card, and Wells Fargo Business Platinum Credit Card help small business owners manage expenses reliably while offering rewards, benefits, and competitive rates. Many Wells Fargo cards offer extended warranties and purchase security, fraud protection, and extra cards to employees at no additional cost.
Top 4 Wells Fargo Credit Cards for Small Business Owners [2025]
| S. N. | Name of Wells Fargo Credit Cards | Best Known & Value for |
|---|---|---|
| 1. | Signify Business Cash℠ Card | Best Known for offering unlimited 2% cash back on all purchases. |
| 2. | Wells Fargo Business Cash Wise Credit Card | Best Known for offering unlimited 1.5% cash back on all purchases with no category restrictions. |
| 3. | Wells Fargo Business Secured Credit Card | Best Known for building credit for small business owners |
| 4. | Wells Fargo Business Platinum Credit Card | Best Known for offering 0% APR for first 9 months |
Best Well Fargo Credit Cards for Small Business Owners [March 2025]
1. Signify Business Cash℠ Card
The Signify Business Cash℠ Card offers 2% cash back on all purchases with no annual fee and no spending limits. It includes a 0% introductory APR for the first 12 months on purchases and balance transfers, along with fraud protection and expense management tools to simplify business finances.
Cashback
- Issuer – Wells Fargo
- Payment Gateway – Visa
- Credit Score – N/A
- Intro APR – 0% intro APR for 12 months
- Regular APR – 17.49% – 25.99%
- Sign In Bonus – Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
- Balance Transfer – 17.49% – 25.99%
- Best For – Small Business Owners
This business credit card provides a high cash-back rate, offering 2% unlimited cash back on all purchases, making it a lucrative choice for business owners. Issued by Wells Fargo, the card is tailored for businesses seeking a simple, high-reward structure without the need for tracking spending categories. It also comes with a generous $500 sign-up bonus after spending $5,000 in the first three months.
The annual fee is waived, making it a great value. A good to excellent credit score (680+) is required for approval. The card does not offer a referral program, but it includes purchase protection, cell phone insurance, and travel accident coverage. Businesses also benefit from zero liability fraud protection, expense tracking tools, and mobile payment integration, adding flexibility and security to business spending.
| Key Features | Reward Rate | |
|---|---|---|
| Cash Back | Unlimited 2% cash back on all purchases | Use the Wells Fargo Mobile® app to check balances, view transaction history, and make payments from virtually anywhere. |
| Earn more rewards with employee cards at no additional cost | Rewards can be used to credit eligible accounts. | Redeem your rewards on flights, car rentals, and hotel stays for your next business trip |
| Zero Liability Protection | – | Gift cards are redeemable in many amounts. |
| Mastercard ID Theft Protection™ | – | – |
Pros & Cons:
Pros
- The rewards rate is high.
- There is no annual fee
- The Intro APR period is 0.00% for the first 12 months
Cons
- Only existing Wells Fargo checking or savings account holders can apply online.
- There are limited benefits and no bonus categories.
- Other cards offer higher earning rates for certain purchases.
Expert Advice
The Signify Business Cash℠ Card is designed for small business owners. It eliminates the hassle of rotating categories or spending limits, making it ideal for businesses that want to earn consistent rewards on all purchases while minimizing costs, thanks to its no annual fee. This card is especially beneficial for those planning to make large purchases or balance transfers, as it offers a 0% introductory APR for the first 12 months.
2. Wells Fargo Business Cash Wise Credit Card
The Wells Fargo Business Cash Wise Credit Card offers unlimited 1.5% cash back on all purchases with no annual fee. It includes free employee cards to enhance rewards.
Cashback on all Purchases
- Issuer – Wells Fargo
- Payment Gateway – Visa
- Credit Score – Good – Excellent
- Intro APR – 0% for 12 months
- Regular APR – 14.49% – 24.99%
- Sign In Bonus – N/A
- Balance Transfer – 14.49% – 24.99%
- Best For – Small Business Owners
Issued by Wells Fargo, this business credit card is ideal for small business owners looking for a straightforward cash-back rewards program. It offers unlimited 1.5% cash back on all purchases with no category restrictions. This makes it an excellent choice for business owners who want simple, hassle-free rewards while managing everyday expenses. The card also provides free employee cards, helping businesses maximize their rewards potential.
This card has no annual fee, making it a cost-effective choice for businesses. While it doesn’t offer a traditional sign-up bonus, its flat 1.5% cash back rate ensures steady rewards. A good to excellent credit score (typically 670+) is required for approval. The card doesn’t have a referral program, but it includes zero liability fraud protection, expense tracking tools, and mobile payment compatibility, making it a reliable financial tool for businesses.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Cash Back | Unlimited 1.5% cash back on all purchases with no category restrictions | No referral program |
| Free employee cards | – | Zero liability fraud protection |
| Expense tracking tools | – | Mobile payment compatibility |
Pros & Cons:
Pros
- No annual fee
- Unlimited cashback
- Easy reward structure.
Cons
- No bonus categories
- Higher regular APR if not paid off in full
- No sign-up bonus.
Expert Advice
Wells Fargo Business Cash Wise Credit Card is no longer available.
3. Wells Fargo Business Secured Credit Card
The Wells Fargo Business Secured Credit Card is designed for businesses with limited or rebuilding credit. It requires a refundable security deposit to secure the credit limit and offers access to Wells Fargo’s business tools, along with rewards on qualifying purchases.
Rebuilding Credit
- Issuer – Wells Fargo
- Payment Gateway – Visa
- Credit Score – N/A
- Intro APR – N/A
- Regular APR – Prime Rate + 11.90%
- Sign In Bonus – N/A
- Balance Transfer – Prime Rate + 11.90%
- Best For – Small Business Owners
Designed for business owners looking to build or rebuild credit, this secured credit card from Wells Fargo requires a security deposit as collateral. It offers 1.5% cash back on every purchase or the option to earn 1 point per dollar spent, plus 1,000 bonus points when spending $1,000+ in a month. The card also provides free employee cards, allowing small businesses to manage expenses and establish a stronger credit profile.
The annual fee is $25 per card, making it a budget-friendly option. Credit limits are determined by the security deposit, which can range from $500 to $25,000. Applicants typically need a fair to good credit score (580+). This card doesn’t have a referral program, but it includes auto rental collision coverage, travel accident insurance, and zero liability fraud protection, making it a solid choice for business credit-building.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Building Credit | Earn 1.5% cash back on every $1 spent | $500 to $25,000 credit line based on the amount you deposit. |
| Cash Back | Earn 1 point per $1 spent and receive 1,000 bonus points when the company spends $1,000 or more in any monthly billing period. | Keep your business protected with Zero Liability Program, Rapid Alerts, Fraud monitoring and Purchase Assurance®. |
| Flexible credit limits | – | Manage your expenses using the Business Spending Report. |
| Overdraft protection | – | Up to 10 cards can be issued with no additional fee. |
| – | – | The Bank may hold collateral for up to 30 days following account closure in order to cover transactions that may be posted to the credit card account after it is closed. |
| – | – | Manage spending, payments, and transfers online with Wells Fargo Business Online®. |
Pros & Cons:
Pros
- There is no foreign transaction fee.
- Users with bad credit can also apply.
- There are no membership fees.
Cons
- The card requires a security deposit.
- The card offers fewer cashback rewards as compared to other Wells Fargo cards.
- The card’s regular APR is higher than other cards in the market.
Expert Advice
Wells Fargo Business Secured Credit Card is no longer available.
4. Wells Fargo Business Platinum Credit Card
The Wells Fargo Business Platinum Credit Card has no annual fee and offers a flexible rewards program for cash back or points. With 0% introductory APR on purchases and balance transfers, it’s an ideal choice for small business owners seeking simple rewards.
Cashback on Business Expenses
- Issuer – Wells Fargo
- Payment Gateway – Visa
- Credit Score – Good to Excellent
- Intro APR – 0% Intro APR on purchases and balance transfers for the first 9 months. After that, a variable APR applies.
- Regular APR – 18.49% – 26.49%
- Sign In Bonus – Earn a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the rewards program and spend $3,000 in the first 3 months of account opening.
- Balance Transfer – 18.49% – 26.49%
- Best For – Small Business Owners
The Wells Fargo Business Platinum Credit Card is tailored for small businesses looking for a low-cost financing solution. Issued by Wells Fargo, it provides a 0% intro APR for 9 months on purchases and balance transfers. The card offers 1.5% cash back or 1 point per dollar spent, making it flexible for everyday business expenses. With no limit on rewards, businesses can maximize their savings.
This card has no annual fee, making it a great choice for budget-conscious businesses. Credit limits start at $500 and go up based on business revenue and creditworthiness. A good to excellent credit score (700+) is recommended for approval. While it does not offer a referral program, it includes fraud protection, mobile wallet compatibility, and employee card management tools at no extra cost.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Cash Back | 1.5% cash back on every $1 spent | Either $20 or 5% of the amount of each cash advance, whichever is greater. |
| Business Expenses | – | – |
| No foreign transaction fees | – | – |
| No annual fee | – | – |
Pros & Cons:
Pros
- Earn extra rewards or cash back after meeting a minimum spending requirement in the first few months.
- No cost to keep the card active each year, helping reduce overall business expenses.
- Save money on purchases made abroad with no additional fees for international transactions.
Cons
- Offer lower point-earning rates, especially outside of bonus categories.
- Cash back rewards may be distributed on a quarterly basis, requiring patience for redemption.
- May offer fewer perks or features compared to premium business credit cards.
Expert Advice
Wells Fargo is not accepting new applications for Business Platinum Credit Cards. New applicants should explore other options for business credit. Consider checking directly with Wells Fargo or looking into credit cards tailored for small business owners.
Table of Comparison
| Name of the Card | Signify Business Cash℠ Card | Wells Fargo Business Cash Wise Credit Card | Wells Fargo Business Secured Credit Card | Wells Fargo Business Platinum Credit Card |
|---|---|---|---|---|
| Payment Gateway | Visa | Visa | Visa | Visa |
| Best For | Small Business Owners | Small Business Owners | Small Business Owners | Small Business Owners |
| Credit Score | Good/ Excellent | Good – Excellent | N/A | Good – Excellent |
| Annual Fee | $0 | $0 | $0 | $0 |
| Annual Percentage Rate | 17.49% – 25.99% | 14.49% – 24.49% | Prime rate + 11.90% | 18.49% – 26.49% |
| Balance Transfer | 17.49% – 25.99% | 14.49% – 24.49% | Prime rate + 11.90% | 18.49% – 26.49% |
| Sign in Bonus | Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months. | N/A | N/A | Earn a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the rewards program and spend $3,000 in the first 3 months of account opening. |
| Decision Criteria | Best for small business owners are planning to make large purchases as it offers a 0% introductory APR for the first 12 months. | Best for small business owners who want to earn cashback rewards. | Best for business with limited or rebuilding credit. | Best for small business owners who spent a lot on daily business expenses. |
Methodology
While selecting a business credit card, a business checks several important aspects, such as fees, interest rates, rewards programs, and business-friendly perks, to identify the top Wells Fargo credit cards for small company owners. Cards with substantial cashback, travel benefits, or bonus multipliers on business expenses, including utilities, office supplies, and advertising, were given priority.
Another important consideration was cost effectiveness, emphasizing cards with minimal or no annual fees unless the advantages outweighed the drawbacks. One should also consider flexible financing alternatives, low ongoing interest rates, and 0% introductory APR deals. Additionally, business-friendly features were evaluated, including extended warranties, employee cards, fraud protection, and expense tracking.
Why Do Small Business Owners Need a Credit Card?
Credit cards are necessary for small business owners to keep business and personal expenses apart, which facilitates cash flow management and financial tracking. By offering payment flexibility, a business credit card lets owners pay for goods, emergency bills, and operating costs without quickly depleting cash reserves.
Many credit card companies have rewards schemes that allow businesses to accrue travel points or cashback on regular purchases. These cards are also necessary for efficient corporate operations because they frequently have greater credit limits, fraud protection, and capabilities for managing expenses.
Does Wells Fargo Offer Credit Cards for Small Business Owners?
Wells Fargo offers various credit cards designed for small business owners. Some cards offer cashback, travel rewards or variable spending limits. Some of the most popular credit card options among small business owners are the Wells Fargo Business Cash Wise Credit Card,
Signify Business Cash℠ Card, etc. These cards enable one to monitor expenditures, employee cards, and guard against fraud, which can be helpful to small business owners.
Choosing the Best Wells Fargo Credit Cards for Small Business Owners
Some business owners may need to give their employees a credit card for work-related purchases. With Wells Fargo credit cards, they can set spending limits for employees, ensuring they don’t spend too much while still having the flexibility to buy necessary items.
A good business credit card should be simple and safe. It allows business owners to purchase online, in stores, or even pay bills without carrying cash. This makes transactions faster and more convenient.
Many Wells Fargo credit cards offer special rewards. Some provide cashback, meaning business owners get a small percentage of their spending back as savings. Others provide travel rewards, such as free flights or hotel stays, useful for business trips.
Some Wells Fargo credit cards offer higher spending limits, which means business owners can buy more expensive items, such as office equipment, furniture, or supplies. This is helpful for businesses that need to make big purchases.
The right credit card will automatically record every purchase. This helps business owners track how much they are spending and where their money is going. It also makes it easier to organize finances and prepare for tax season.
Some Wells Fargo business credit cards have a 0% interest period for a few months. Business owners can buy what they need and pay later without worrying about extra charges. This is great for businesses that need time to pay off big expenses.
A good credit card should keep business transactions safe. Wells Fargo credit cards have fraud protection, detecting and preventing unauthorized purchases. Some also offer purchase protection, so if an item is lost, stolen, or damaged, the owner may be able to get a refund or replacement.
How Do Wells Fargo Credit Cards Help Small Business Owners?
Wells Fargo business credit cards assist business owners by facilitating and rewarding payments. They have useful features such as increased spending limits, tracking of expenses, and spending controls for employees.
Some cards include a 0% interest term, so you can make large purchases immediately without paying extra. Some reward programs provide cashback or travel rewards, which enable you to save money or even pay for your next vacation. These cards offer fraud protection, extended warranties, and purchase security to make transactions secure.
Advantages of Wells Fargo Credit Cards for Small Business Owners
Some Wells Fargo credit cards offer an introductory period with no interest on purchases. This is helpful for businesses that need to buy expensive items and want extra time to pay without additional costs.
Business owners may get extra warranty coverage when they buy items with their Wells Fargo credit card. This means the product stays protected for a longer time. Some cards also offer purchase protection, which helps if an item is lost, stolen, or damaged shortly after buying it.
The credit card records all purchases, making it easier for business owners to track their spending. This helps them manage their budget and prepare for tax time without keeping too many receipts.
Wells Fargo credit cards have security features that protect businesses from scams and unauthorized transactions. The bank can detect and stop the fraud if someone tries to misuse the card.
Business owners can give employees a credit card for work-related purchases but set spending limits. This helps prevent overspending while allowing employees to buy necessary items for the business.
Some credit cards give cashback on purchases, helping businesses save money. Others provide travel rewards, such as free flights or hotel stays, useful for business trips and meetings.
FAQs
Which Wells Fargo credit card has the most cashback rewards?
The Wells Fargo Business Platinum Credit Card is an excellent option for cashback rewards with as much as 1.5% cashback on every purchase with no categories to exclude.
Does Wells Fargo have 0% APR business credit cards?
Yes, Wells Fargo does provide business credit cards with 0% introductory APR, including the Wells Fargo Business Platinum Card, which gives 0% APR for 9 months.
Are employee cards available with a Wells Fargo business credit card?
Yes, Wells Fargo allows business owners to issue employee cards, determine spending limits, and monitor expenses to manage business finances effectively.
Are there annual fees on Wells Fargo business credit cards?
Some Wells Fargo business cards have no fee, and premium cards can have a fee but with additional perks. Always compare the features and decide whether the cost is worth it.
How do I redeem rewards accumulated on a Wells Fargo business credit card?
Rewards are redeemable for cash back, travel, statement credits, or gift cards via the Wells Fargo Rewards website. Automatic deposits in a Wells Fargo business account can be made on certain cards.