Wells Fargo Signify Business Cash® Card with chip and contactless tap to pay technology. Wells Fargo Signify Business Cash® Card with chip and contactless tap to pay technology.

Signify Business Cash® Card by Wells Fargo

Earn a $500 cash rewards bonus

when you spend $5,000 in purchases for your business in the first 3 months.1

Don’t miss out on these offers as they can vary over time and through different communication channels such as email, mail, online, phone or in a branch.
Apply now on this page to take advantage of these offers.

Now running your business is even more rewarding

Unlimited
2%

Earn unlimited 2% cash rewards

on purchases made for your business with no categories to track, and no limit to the amount of rewards you can earn2

$0
Annual Fee

No annual fee

in addition to the rewards
you can earn

12
Months

0% intro APR for 12 months

from account opening on purchases.
After that your variable APR will be 17.49% – 25.49%.

Business credit card benefits and features

Employee cards

Earn more rewards with employee cards at no additional cost. When your employees make purchases, your business earns more cash rewards!3

Wells Fargo Mobile® app

Use the Wells Fargo Mobile® app to check balances, view transaction history, and make payments from virtually anywhere.4

Autopay

Make sure your credit card is paid on time by scheduling automatic payments.5

Account Alerts

Stay informed of important activity on your account and on employee cards with customizable alerts.6

Digital Wallets

Choose the digital wallets you would like to use to make payments quickly and securely. Get started in the Wells Fargo Mobile® app.7

Online Banking

With Wells Fargo Business Online®, you have secure online access to your accounts through your desktop and mobile devices.6

Redeem to account

Rewards can be used to credit eligible accounts.8

Redeem for travel

Redeem your rewards on flights, car rentals, and hotel stays for your next business trip.

Redeem for gift cards

Find the perfect gift card for that right occasion. Gift cards are redeemable in many amounts.

Priority Pass

Complimentary membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.11

Worldwide Automatic Common Carrier Travel Accident Insurance

Get Travel Accident Insurance protection of up to $250,000 when you purchase your airline or other common carrier ticket with your eligible credit card.12

MasterRental Insurance
Coverage

Reimbursement for covered physical damage and/or theft of a rental vehicle with primary protection.13

Zero Liability Protection

Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly.9

Mastercard ID Theft Protection

Detection and protection against identity theft, including monitoring, alerts and expert resolution 24/7/365. Enrollment is required.10

Cash back calculator

Slide to adjust your monthly credit card spending and watch the cash back* add up!

Slide to adjust your monthly card spending: Monthly credit card spending ranges from $0 to $50,000. Use the arrow keys or page up and page down to adjust the slider to see how your cash rewards will add up. Press Escape to exit the slider.
$500
Eligible purchases$25,000
X 2% on purchases2
X 12 months
=
=$6,000Yearly cash back

*Cash back is earned in the form of cash rewards. Monthly spending and yearly total values are for illustrative purposes only.

Apply now

Business credit card FAQs

A business credit card is a card designed specifically for business purposes. It functions like a regular credit card, but it is issued to a company or business instead of an individual. It allows businesses to make purchases, manage funds, and separate personal and business expenses.

To get a business credit card, you’ll need to supply both personal and business information and documentation. On the personal side, you must share your contact information as well as your Social Security number or ITIN. For the business side, you must provide your business's legal name, address, and contact details and employer identification number (EIN) if you have one. We’ll also need some basic information about anyone who owns 25% or more of the business including name, address and SSN or other government issued ID number.

You can apply for a business credit card online or in person. To apply online, start here. Or, you can make an appointment at your local Wells Fargo branch.

There is a $0 annual fee for the Signify Business Cash® Card by Wells Fargo.

The cash rewards you earn do not expire as long as your account is open.

You can add employee cards to Signify Business Cash at no additional cost.3 Employee cards offer convenience while also helping you manage and keep track of business expenses. Employee cardholders can also use the Wells Fargo Mobile® app to track their credit usage when they’re on the go.

The Signify Business Cash® Card by Wells Fargo is loaded with features, and there’s $0 annual fee to own the card. Here’s a look at some of the perks:

  • Unlimited 2% cash rewards on business purchases2
  • Flexibility to redeem your rewards as a statement credit8, for gift cards, travel, and more
  • No additional cost employee cards3

You will earn unlimited 2% cash rewards on purchases made for your business.2

Yes. Current Business Platinum or Business Elite Signature credit card customers (including those accounts that have been converted to either a Signify Business Essential or a Signify Business Elite) can apply for a new Signify Business Cash® Card and have both (even if using the same TIN/EIN for both).
Some important items to note:

  • A single company cannot have more than one Signify Business Cash® Card account, even if different owners apply separately.
  • A 'product switch' is not an available feature for Signify Business Cash®. Customers who want the Signify Business Cash® Card need to apply.

Apply for the Wells Fargo Signify Business Cash® card. Opens in the same window.

Signify Business Cash® Card by Wells Fargo

Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.1

Signify Business
Cash® Card

Important Credit Terms

Apply now

Other things you need to know

Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Apply now to take advantage of this offer.

Read the Wells Fargo Signify Business Cash Credit Card Customer Agreement and the Signify Business Cash World Elite Mastercard® Credit Card Guide to Benefits to learn more.

This offer is not a guarantee of credit. Credit card is subject to credit qualification.

1. To qualify for the $500 cash rewards bonus, a total of at least $5,000 in qualifying net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus cash rewards will show as redeemable within 1 – 2 billing periods after they are earned. “Purchases” that do not apply to this offer and do not earn cash rewards include: cash advances and equivalents of any kind (ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, peer-to-peer payments, and wire transfers); disputes, illegal actions, and violations (disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (returned payment fees, monthly or annual fees); gambling transactions (bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances may affect the credit line available for this offer. Refer to the Summary of the Wells Fargo Business Rewards Program Terms and Conditions for the Signify Business Cash Credit Card for more information about the rewards program. ←back to content

2. 2% cash rewards are earned for every $1 spent in qualifying purchases (purchases minus returns/credits) on the credit card account. ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, wire transfers, fees or interest posted to your card account such as late fees, foreign currency conversion fees, bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off-track wagers, do not earn cash rewards. Refer to the Summary of the Wells Fargo Business Rewards Program Terms and Conditions for the Signify Business Cash Credit Card for further details. ←back to content

3. Account Guarantors are responsible for repayments of all debts on the account, including all transactions made by Employee Cardholders. ←back to content

4. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. ←back to content

5. Terms and Conditions apply. When you enroll in the automatic payment service, you must be the owner of the business or personal deposit account. If payment is returned or reversed for any reason, or results in an Overdraft Protection Advance from the designated deposit account, we may terminate the automatic payment service without notice and/or close your Account. Please refer to the Wells Fargo Signify Business Cash Credit Card Customer Agreement for more information. ←back to content

6. Sign-up may be required. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. ←back to content

7. Terms and conditions apply. Some (but not all) digital wallets require your device to be NFC (Near Field Communication) enabled and to have the separate wallet app available. Your mobile carrier’s message and data rates may apply. ←back to content

8. Rewards redeemed as a credit to an eligible Wells Fargo business credit product are applied toward your principal balance. You must still make regularly scheduled payments. ←back to content

9. You won't be held responsible for promptly reported unauthorized transactions, subject to certain conditions. For more information, please review the applicable Wells Fargo Signify Business Cash Credit Card Customer Agreement. ←back to content

10. Certain terms, conditions, and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please review the Signify Business Cash World Elite Mastercard® Credit Card Guide to Benefits for details, or call 1-800-Mastercard (1-800-627-8372). ←back to content

11. Lounge visit fees will apply. Lounge fees are subject to change without notice. Payment is required with an eligible Wells Fargo Signify Business Mastercard®. Please refer to prioritypass.com/wellsfargosignify for enrollment and program details. Offers vary by airport location. All third-party products and services referenced herein are trademarks of their respective owners. ←back to content

12. The cardholder is eligible for coverage in the event they suffer an accidental loss of life, limb, sight, speech, or hearing while on a covered trip. Common carrier fare must be paid in full with your Wells Fargo Signify Business Cash® Credit Card and/or rewards program associated with cardholder's covered account. A maximum benefit amount and certain restrictions and limitations apply. Please review the Signify Business Cash World Elite Mastercard® Credit Card Guide to Benefits for details. ←back to content

13. Benefit is subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG Company. Please review the Signify Business Cash World Elite Mastercard® Credit Card Guide to Benefits for details, or call 1-800-Mastercard (1-800-627-8372).←back to content

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