Costs & Pricing

Metric	Business Advantage Customized Cash Rewards	Wells Fargo Signify Business Cash® Card
Annual fee	$0	$0
Employee card fee	$0 (no published cap on number)	$0 (no published cap on number)
Purchase APR	16.74%–26.74% variable after intro (creditworthiness-based; Prime + margin not printed on marketing summary)	16.74%–24.74% variable after intro (Prime + 9.99% to +17.99%; Prime 6.75% as of 09/02/2026; max APR 29.99%). Disclosures accurate as of Dec 2025.
Intro APR (purchases)	0% for 7 billing cycles, then 16.74%–26.74% variable	0% for 12 months from account opening, then standard variable purchase APR
Foreign transaction fee	3%	3% of each transaction converted to U.S. dollars
Late payment fee	Not disclosed on public product pages	Up to $40. First event in a rolling six-cycle window: lesser of minimum payment or $29; subsequent: lesser of minimum payment or $40

Rewards & Value

Metric	Business Advantage Customized Cash Rewards	Wells Fargo Signify Business Cash® Card
Base earn rate	1% on all other Net Purchases (PRFB can lift to 1.25%/1.50%/1.75%)	$0.02 cash rewards per $1 qualifying net purchase (uncapped 2%). Posts when the purchase appears on a monthly statement. Program terms effective June 26, 2026.
Welcome bonus	$500 cash rewards after at least $5,000 in purchases in the first 90 days (live public online offer, 3 Sep 2026)	$500 cash rewards after $5,000 qualifying net purchases post within 3 months of account opening. Redeemable within 60 days after earned. Standing public offer since the May 2024 launch — no published offer-expiration date.
Redemption value	1¢ per 1% (cash is cash). No travel portal, no transfer partners.	Statement credit / credit to an eligible Wells Fargo business credit or checking account at 1:1 cash. Gift cards and Business Rewards portal travel are options — portal/gift-card cents-per-dollar not published; do not assume portal equals cash. Minimum redemption $1 for statement-credit path.
Transfer partners	None	Not offered (points transfers are for Essential/Elite, not Cash)

Credit & Eligibility

Metric	Business Advantage Customized Cash Rewards	Wells Fargo Signify Business Cash® Card
Personal guarantee	Required in substance — cards are backed by personal credit; owner/authorized officer applies	Required. Account Guarantor unconditionally agrees to be personally liable, jointly and severally with the business. Wells Fargo may seek to collect from the guarantor before the business. Covers future line increases and enforcement costs.
Credit check	Hard personal pull on applying owner/authorized officer (treat as hard unless a prequalification tool says otherwise — none advertised)	Consumer report on the Account Guarantor. Treat full apply as a hard pull unless using only the no-impact prequal tool. Application also collects ownership details for 25%+ owners.
Employee cards	Free; no published numeric cap; employee-transaction monitoring. Per-card sub-limits Unclear vs the separate CORP product.	$0. Add via Business Online; optional monthly cycle spend cap (default = full account line). Up to three Administrators besides the guarantor. Employee cardholders are not personally liable; guarantor is. Cards mail in 5–10 business days. No published maximum number.
Product type	Revolving small-business credit card	Revolving business credit card (not a charge card; not NPSL; not a spend-management platform)

Pros & Cons

Business Advantage Customized Cash Rewards

Pros

• $0 annual fee and $0 employee-card fees
• Monthly-switchable 3% category plus 2% dining (first $50k combined); PRFB can take choice to 5.25%
• Live $500 / $5,000 / 90-day bonus and 0% purchase APR for 7 billing cycles
• Cash redeems to deposit, statement, or check; no expiration while open
• In good standing, issuer says the card stays off personal credit reports

Cons

• 3% foreign-transaction fee
• 3%/2% share one $50,000 calendar cap, then 1% (+ PRFB)
• Headline 'up to' rates require business checking and $20k–$100k combined balances
• Personal-credit underwriting and personal liability; not a no-PG startup card
• Intro APR is short and purchases-only; 5% BT fee with no 0% BT

Wells Fargo Signify Business Cash® Card

Pros

• Uncapped 2% cash on qualifying spend with $0 annual fee
• 0% intro APR on purchases for 12 months from open
• $500 cash bonus at $5,000 / 3 months — low hurdle versus many business SUBs
• Employee cards at $0 with per-card cycle caps
• Primary MasterRental CDW and $250k common-carrier accident insurance on a no-fee card; rewards do not expire while open

Cons

• 3% foreign-transaction fee
• No category bonuses; 2% loses to 3–5% advertising/shipping cards on those MCCs
• Personal guarantee is unconditional and first-recourse
• No purchase protection, extended warranty, or cell-phone insurance in the public benefits guide; Priority Pass visits are paid
• After the intro window, 16.74%–24.74% variable APR makes revolving expensive relative to 2% earn; no public BT product

Verdict

Business Advantage Customized Cash Rewards

Customized is the category SKU, not the flat 1.5% Unlimited card. It wins when gas, office supply, travel, telecom, computer services, or consulting plus dining stay under $50k combined. After the cap, or if you will not enroll in PRFB, Unlimited is usually simpler. Poor fit for foreign spend, ad-heavy businesses, or anyone who needs no personal guarantee.

Wells Fargo Signify Business Cash® Card

Signify Business Cash is the flat 2% SKU — not Essential/Elite (points) and not consumer Active Cash. It beats Blue Business Cash after the $50k 2% cap and beats Ink Unlimited on ongoing earn, while trailing Spark Cash Plus on FTF and NPSL. Skip it for foreign spend, transferable points, no-PG underwriting, or anyone who will revolve after month 12.