Wells Fargo Signify Business Cash® Card
No-annual-fee uncapped 2% cash-back business Mastercard with 12-month 0% purchase APR, free employee cards, and a 3% foreign-transaction fee
Costs & Pricing
Annual fee (primary): $0
Employee card fee: $0 (no published cap on number)
Purchase APR: 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 12 months from account opening, then standard variable purchase APR
Intro APR (balance transfers): Not offered on public disclosures. No BT APR/fee in the Schumer box. Secondary reviews say BTs are not allowed. Rewards terms still list balance transfers including SUPERCHECKS as non-earning.
Foreign transaction fee: 3% of each transaction converted to U.S. dollars
Cash advance APR: 29.49% variable from transaction date (Prime + 22.74%). Fee greater of $10 or 5%. Separate (lower) Cash Credit Limit may apply. ATM advances at WF and Mastercard ATMs.
Late payment fee: Up to $40. First event in a rolling six-cycle window: lesser of minimum payment or $29; subsequent: lesser of minimum payment or $40
Penalty APR: No separate penalty APR in the Schumer box. On default the issuer may increase the interest rate on existing and new balances, cancel promotional rates, raise the late fee, demand immediate payoff, or close the account.
Other fees: Minimum interest charge $1.00 if any interest is charged. No published overlimit fee (over-limit is a default event; over-limit amount must still be paid). Optional Overdraft Protection advances from a linked WF checking account are treated as cash advances ($25.00 minimum advance mechanic in the agreement). Rush/paper-statement fees not disclosed.
Rewards & Value
Partner Credits & Perks
- ✓ Priority Pass membership only (pay-as-you-go visit fees; enroll at prioritypass.com/wellsfargosignify). Not free visits.
- ✓ No TSA PreCheck/Global Entry, airline, hotel, wireless, or SaaS statement credits
Transfer partners: Not offered (points transfers are for Essential/Elite, not Cash)
Credit, Limits & Spending
Credit limit: Fixed preset credit limit. Published minimum $2,500 if the offer’s terms are met. No public max. Separate (lower) Cash Credit Limit may restrict cash advances. Issuer may adjust, including automatic increases if you qualify.
Personal guarantee: 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: 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.
Recommended credit: Good–excellent / ~670+ (review-site guidance only; issuer does not publish a cutoff for this card)
Employee cards: $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.
Virtual cards: Not offered on this small-business product (WellsOne virtual cards are a separate commercial service). Digital wallets supported.
Product type: Revolving business credit card (not a charge card; not NPSL; not a spend-management platform)
Network: World Elite Mastercard
Benefits, Protections & Tools
Travel
- ✓ Priority Pass membership (enrollment required); pay-as-you-go visit fees — not Priority Pass Select with free visits. Network 1,300+ in the guide / 1,800+ on the Priority Pass cobrand page. Per-visit dollar amount not printed on WF pages.
- ✓ MasterRental auto rental CDW — primary; decline agency CDW; entire rental on card; ≤31 consecutive days. Loss-of-use up to $500; secondary personal-effects $1,000/person, $2,000/period.
- ✓ Travel accident insurance up to $250,000 common-carrier accidental loss when the full fare is charged
- ✓ Baggage delay (secondary): essential items if checked bags delayed >4 hours; $300 per traveler per trip (NY: $300 total per trip) and $300 per 12 months per card
- ✓ Mastercard Travel and Lifestyle Services / hotel-rate guarantees for bookings through that program
- ✓ No TSA PreCheck/Global Entry, airline/hotel credits, trip delay/cancel, or roadside dispatch
Purchase Protections
- ✓ Purchase protection, extended warranty, return protection, cell-phone protection, and event tickets: not listed in the public Guide to Benefits (01/01/2025) — treat as not offered
- ✓ Zero Liability for unauthorized charges reported promptly
- ✓ Mastercard ID Theft Protection (enrollment required at mastercardus.idprotectiononline.com); Mastercard Global Service 24/7
Business Tools
- ✓ Spending reports in Business Credit Card Center; employee spend limits, alerts, card on/off
- ✓ Mastercard Business Assistant 1-844-281-5031; Mastercard merchant offers / Easy Savings
- ✓ No native QuickBooks/Xero connector advertised — CSV / statement export implied. No virtual cards, AP invoice capture, or ERP policy engine
Eligibility & Application
Who can apply: U.S. business applicants. SSN or ITIN; business legal name, address, EIN if applicable; ownership details for 25%+ owners. Sole props and entities contemplated. Nonprofit/holding-company eligibility not specifically listed. Business purposes only; not a Money Service Business unless disclosed.
Business requirements: No published time-in-business or revenue floors. Existing WF deposit relationship no longer stated as a hard online-apply prerequisite on the current FAQ.
Issuer rules: No Chase 5/24. One Cash account per company. Essential/Elite customers may add Cash; cannot product-switch into Cash.
Application impact: Consumer report on guarantor + business/SBFE. Treat full apply as a personal hard inquiry unless using only the no-impact prequal tool.
Best for: No annual fee Flat-rate cash back 0% intro APR Free employee cards Daily driver
Pros & Cons
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
Buy (uncapped 2% daily driver)
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.