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Wells Fargo's business credit card lineup continues to evolve. The bank stopped accepting new applicants for business credit cards in 2023, retiring several options. However, Wells Fargo launched its latest offering — the Signify Business Cash℠ Card — at the end of April 2024. For those who like straightforward cash-back business credit cards, the wait was potentially worth it.
The highlight of this new Wells Fargo business card is unlimited 2% cash back on all purchases. Considering the card also has no annual fee, that rate is tough to beat.
The Signify Business Cash℠ Card also includes a 12-month 0% intro APR period for purchases (after that the variable APR is 18.49% – 26.49%), as well as a competitive welcome offer: Earn $500 after spending $5,000 in purchases in the first 3 months (terms apply). It's a great combination of features.
The primary downside is that it's the only business card Wells Fargo currently offers new customers. The issuer previously had cards that let you earn bonus points, plus a secured business credit card for entrepreneurs with thin or poor personal credit (typically considered a FICO score below 630). Business owners who can't qualify for the Signify Business Cash℠ Card or want multiple business credit cards from the same issuer to maximize rewards are out of luck.
If you're looking for a complementary card — or one that offers different or better features compared to the Signify Business Cash℠ Card — consider the alternatives below.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Wells Fargo's business credit card lineup continues to evolve. The bank stopped accepting new applicants for business credit cards in 2023, retiring several options. However, Wells Fargo launched its latest offering — the Signify Business Cash℠ Card — at the end of April 2024. For those who like straightforward cash-back business credit cards, the wait was potentially worth it.
The highlight of this new Wells Fargo business card is unlimited 2% cash back on all purchases. Considering the card also has no annual fee, that rate is tough to beat.
The Signify Business Cash℠ Card also includes a 12-month 0% intro APR period for purchases (after that the variable APR is 18.49% – 26.49%), as well as a competitive welcome offer: Earn $500 after spending $5,000 in purchases in the first 3 months (terms apply). It's a great combination of features.
The primary downside is that it's the only business card Wells Fargo currently offers new customers. The issuer previously had cards that let you earn bonus points, plus a secured business credit card for entrepreneurs with thin or poor personal credit (typically considered a FICO score below 630). Business owners who can't qualify for the Signify Business Cash℠ Card or want multiple business credit cards from the same issuer to maximize rewards are out of luck.
If you're looking for a complementary card — or one that offers different or better features compared to the Signify Business Cash℠ Card — consider the alternatives below.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Here are the best Wells Fargo business credit card alternatives
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
More cash back on gas U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 | 1%-3% Cashback | $750 | Apply now on U.S. Bank's website Rates & Fees |
Bigger sign-up bonus Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 | $0 | 1.5% Cashback | $750 | Apply now on Chase's website |
4X points on all travel U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on U.S. Bank's website Rates & Fees |
Up to 5% cash back in bonus categories Ink Business Cash® Credit Card Apply now on Chase's website | 4.8/5 | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
Premium travel rewards The Business Platinum Card® from American Express Apply now on American Express' website Rates & Fees | 4.8/5 | $695 | 1x-5x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
Business owners with fair credit Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 3.8/5 | $0 | 1.5% | N/A | Apply now on Capital on Tap's website |
Travel rewards with no annual fee Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 3.6/5 | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
More cash back on gas U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 | 1%-3% Cashback | $750 | Apply now on U.S. Bank's website Rates & Fees |
Bigger sign-up bonus Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 | $0 | 1.5% Cashback | $750 | Apply now on Chase's website |
4X points on all travel U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on U.S. Bank's website Rates & Fees |
Up to 5% cash back in bonus categories Ink Business Cash® Credit Card Apply now on Chase's website | 4.8/5 | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
Premium travel rewards The Business Platinum Card® from American Express Apply now on American Express' website Rates & Fees | 4.8/5 | $695 | 1x-5x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
Business owners with fair credit Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 3.8/5 | $0 | 1.5% | N/A | Apply now on Capital on Tap's website |
Travel rewards with no annual fee Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 3.6/5 | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
I'M INTERESTED IN:
Our pick for
More cash back on gas
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
View Rates & Fees
Our pick for
Bigger sign-up bonus
Ink Business Unlimited® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
4X points on all travel
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points
Pros
- Bonus categories
- Welcome offer
- Annual fee waived for the first year
Cons
- Requires good/excellent credit
- No intro APR offer
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Terms and conditions apply.
View Rates & Fees
Our pick for
Up to 5% cash back in bonus categories
Ink Business Cash® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350
Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Spending caps on bonus rewards
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350
Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Spending caps on bonus rewards
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
Premium travel rewards
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points
Pros
- Lounge membership
- Transfer partners
- Bonus categories
- Automatic elite status
- Premium travel protections
Cons
- High annual fee
- Complicated rewards
- Requires good/excellent credit
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
View Rates & Fees
Our pick for
Business owners with fair credit
Capital on Tap Business Credit Card
Read Review
Apply now
on Capital on Tap's website
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Pros
- Earn unlimited 1.5% cash back on all purchases
- 24/7 customer service
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Pros
- Earn unlimited 1.5% cash back on all purchases
- 24/7 customer service
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- 1.5% rewards on all spend, no caps or restrictions
- $0 annual fee
- No foreign exchange fees
- APRs range from 17.99% to 43.99% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
Our pick for
Travel rewards with no annual fee
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Read Review
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.99% to 27.99% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
NerdWallet’s editorial picks: Best Wells Fargo business credit card alternatives
Before applying, confirm details on the issuer's website.
Ink Business Unlimited® Credit Card
Best for: Bigger sign-up bonus
NerdWallet star rating:
5
The
Ink Business Unlimited® Credit Card
offers a sizable sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
That's more than the Signify Business Cash℠ Card (though the spend requirement is as well). The Ink Business Unlimited® Credit Card
matches Wells Fargo for intro APR: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.99%-23.99% Variable APR
. However, it offers a lower 1.5
% cash back rate on all purchases. Still, the higher bonus might make up for that difference depending on your spending. Learn more and apply. U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Best for: 4X points on all travel
NerdWallet star rating:
5
Wells Fargo doesn't offer a travel business credit card. If you're on the road often, consider the
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
— it delivers impressive rewards on travel, no matter where you book it: Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center. Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs). Earn 2X points on dining, takeout, restaurant delivery and cell service providers. Earn 1X points on all other eligible spend.
There's also a solid welcome offer and no annual fee for the first year. After that, you’ll pay $95
. Learn more and apply.Ink Business Cash® Credit Card
Best for: Up to 5% cash back in bonus categories
NerdWallet star rating:
4.8
Straightforward cash-back rewards like those from Wells Fargo are nice. But if you want supercharged rewards on things like office supplies and internet service, consider the
Ink Business Cash® Credit Card
. You’ll earn 1%-5%
cash back with no annual fee. Plus, you’ll get 0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.99%-25.99% Variable APR
. Learn more and apply.The Business Platinum Card® from American Express
Best for: Premium travel rewards
NerdWallet star rating:
4.8
True road warriors should look at
The Business Platinum Card® from American Express
. The annual fee ($695
) is undoubtedly high. But it can be offset by its rewards: Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. Terms Apply.
See rates and fees. Learn more and apply. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Best for: More cash back on gas
NerdWallet star rating:
5
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
offers solid cash-back rewards: Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). Earn 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
. Plus, you'll get a competitive sign-up bonus ($750
) and intro APR period for no annual fee. Learn more and apply.Capital On Tap
Best for: Business owners with fair credit
NerdWallet star rating:
3.8
If you were interested in Wells Fargo’s secured business card, the
Capital on Tap Business Credit Card
may be an option. Unlike most other small-business credit cards, this card is available to business owners with fair credit — the company recommends a FICO score of 670 or higher. Capital On Tap matches the 1.5
% cash-back rate the Wells Fargo secured card had and charges no annual fee. There’s one big drawback, though: This card isn’t available to sole proprietors. You’ll need a business entity, like an LLC, to qualify. Learn more and apply.Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best for: Travel rewards with no annual fee
NerdWallet star rating:
3.6
The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
pays solid rewards — 1.5x
points for every dollar spent, which can increase if you’re also a Bank of America business checking customer — on every purchase. You can redeem those points on a wide variety of travel needs. You’ll pay no foreign transaction fees, and there’s no annual fee. Learn more and apply.Capital One® Spark® Classic for Business
Best for: Sole proprietors with fair credit
NerdWallet star rating: 3
The Capital One® Spark® Classic for Business is a potential alternative to the Wells Fargo Business Secured Credit Card for business owners with fair credit (typically a FICO score between 630 and 689). While the Spark Classic earns only 1% cash back, compared with the 1.5% the Wells Fargo secured card had, it does not require a security deposit. Read our review.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card
Best for: Secured business credit card
This card has not been rated by NerdWallet.
If your credit isn’t strong enough to qualify for other business credit card options, Bank of America offers a secured business credit card. After a security deposit of at least $1,000, you’ll earn 1.5% cash back on every purchase. Using your card and making on-time payments can help you build business credit over time, and you can monitor your Dun & Bradstreet business credit score within Bank of America’s dashboard.
Former Wells Fargo business credit cards
You can no longer apply for the following Wells Fargo business credit cards, but if you already have one in your wallet, you can continue using it.
Wells Fargo Business Platinum Credit Card
The
Wells Fargo Business Platinum Credit Card
had a 0% intro APR on Purchases for 9 months, and then the ongoing APR of 11.24% - 21.24% Variable APR
. Cardholders could choose their reward type — cash back or points — during signup. Cash Back option: Earn 1.5% cash back on every $1 spent. Reward Points option: Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period.
Business owners also had access to a sign-up bonus: Earn a one-time $300 cash back bonus or 30,000 bonus points when you select a Business Card Rewards Program and spend $3,000 in the first three months of account open date
Wells Fargo Business Elite Signature Card
The
Wells Fargo Business Elite Signature Card
was geared toward large businesses with substantial purchasing power. Business owners could get up to 200 free employee cards and assign spending controls to each card, limiting transactions by type, time or amount. Cardholders could select the rewards type that best fits their business needs: cash back or points. Earn 1.5% cash back on every $1 spent or earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period
. The welcome offer for new customers was the following: Earn a one-time $1,000 cash back bonus or 100,000 bonus points when you spend $25,000 in the first three months of account open date.
The annual fee was $0 intro first year, then $125
.Wells Fargo Business Secured Credit Card
Business owners with bad personal credit (typically considered a FICO score below 630) could build business credit and earn rewards (cash back or points) with the Wells Fargo Business Secured Credit Card. Cash Back option: Earn 1.5% cash back on every $1 spent. Reward Points option: Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period. Applicants needed to open a Wells Fargo business checking or savings account to qualify. Credit limits ranged from $500 to $25,000 and were equal to the security deposit you provided.
The information related to the Wells Fargo Signify Business Cash℠ Card, Wells Fargo Business Platinum Credit Card, Wells Fargo Business Elite Signature Card and Wells Fargo Business Secured Credit Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
To view rates and fees of The Business Platinum Card® from American Express, see this page.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Last updated on November 18, 2024
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn how NerdWallet rates credit cards.
