Signify Business Cash®

2%
UNLIMITED

Earn unlimited 2% cash rewards
on purchases for your business –
without caps or spending categories.1

$0
ANNUAL FEE

No Annual Fee
This card does not have an annual fee.

12
MONTHS

0% introductory APR
for 12 months from account opening. After that your variable APR will be 17.49% – 25.49%

Signify Business Cash®

Wells Fargo Signify Business Cash (registered) Card with chip and contactless tap to pay technology.

The deliberately simple
business credit card

Apply now
Earn a $500 cash rewards bonus

EARN A $500
CASH REWARDS BONUS

when you spend $5,000 in purchases for
your business in the first 3 months.2

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.

2%
UNLIMITED

Earn unlimited 2% cash rewards
on purchases for your business –
without caps or spending categories.1

$0
ANNUAL FEE

No Annual Fee
This card does not have an annual fee.

12
MONTHS

0% introductory APR
for 12 months from account opening. After that your variable APR will be 17.49% – 25.49%

Calculate your
earning potential

Simply enter your monthly business credit card purchases to see how much cash rewards you could earn in a year.

$
×unlimited 2% cash rewards2
×12 months

Yearly cash rewards earning potential

= Monthly Spending Yearly Cash Rewards

This tool is for illustration and educational purposes only.

Features and benefits designed for the way you do business

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Redeem to account

Apply your cash rewards as a statement credit to eligible accounts and bring down your balance.3

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Redeem for travel

Use your rewards to pay for flights, lodging, rental cars, and more for your next business trip.

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Redeem for gift cards

Convert your cash rewards into gift cards from a variety of online and in-person merchants.

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Earn more rewards

Give your employees the power to make purchases for your business and earn more rewards.4

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Take control

Set employee spending limits, monitor cards, and more — online or in the mobile app.5

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Stay informed

Track expenses and employee card purchases with customizable, instant alerts.6

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Wells Fargo Mobile® app

Enjoy the freedom and convenience of secure account access — wherever business takes you.5

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Digital wallets

Add your Signify Business Cash® Card to your device’s digital wallet for quick, secure payments.7

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Recurring payments

Set your card as the default payment method for regular business expenses & watch your rewards add up.8

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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

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Mastercard ID Theft Protection™

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

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Mastercard Business Assistant

Efficient & expert assistance, 24/ 7 — from arranging business travel or meetings, to recommending restaurants or office equipment upgrades.11

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Priority Pass™

Complimentary membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.12

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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.13

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MasterRental Insurance Coverage

Drive with extra confidence when traveling for business, here or abroad, knowing you're protected against damage to, or theft of, a vehicle rented using your Signify Business Cash® Card.14

Signify Business Cash® 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.4  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 rewards1 on business purchases
  • Flexibility to redeem your rewards as a statement credit,3 for gift cards, travel, and more
  • No additional cost employee cards4

You will earn unlimited 2% cash rewards1 on purchases made for your business.

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.

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.

Footnote 1. 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 Cashservice mark Credit Card for further details. ←back to content

Footnote 2. 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 Cashservice mark Credit Card for more information about the rewards program. ←back to content

Footnote 3. 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

Footnote 4. Account Guarantors are responsible for repayments of all debts on the account, including all transactions made by Employee Cardholders. ←back to content Return to Footnote 4

Footnote 5. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. ←back to content

Footnote 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

Footnote 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

Footnote 8. 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

Footnote 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

Footnote 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

Footnote 11. This benefit may be subject to change without prior notice. Please review the Signify Business Cash World Elite Mastercard® Credit Card Guide to Benefits for details, or call 1-844-281-5031. ←back to content

Footnote 12. 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

Footnote 13. 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

Footnote 14. 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

LRC-0325

Apply for the Wells Fargo Signify Business Cash (registered) card. Opens in the same window.

Signify Business Cash®

Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.2

Signify Business Cash®

Important Credit Terms