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Our illustration in the card’s colours, not its design

Wells Fargo credit card

Our Best Cash Rewards Business Credit Card

No annual fee. $500 cash rewards after you spend $5,000 in 3 months. Purchase APR 16.99–24.99%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Wells Fargo’s terms

Welcome offer

$500 cash

After you spend $5,000 on purchases in your first 3 months.

Spending it takes
$1,667 a month
for 3 months
Tracking since
Oct 11, 2026
history will chart every change

The bonus cash rewards will show as redeemable within 60 days after they are earned. Offers may differ by marketing channel and require selecting Apply now.

  • Larger than about 80% of the 48 other cash bonuses we track.

In dollars

What it’s worth

This card’s rewards are on the issuer’s page; we haven’t confirmed them for this page yet, so we can’t put a dollar value on it. Its fees and rates are below.

Against the market

How it compares

  • No annual fee, like about 85% of the 711 cards we track.
  • Lower top APR than about 80% of the 163 cards on our Sign-up bonuses list (see the list).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Benefits

  • Complimentary Priority Pass membership access to more than 1,300 participating airport lounges worldwide; lounge visit fees apply and are charged on a pay-as-you-go basis.
  • Worldwide automatic common carrier travel accident insurance protection of up to $250,000 when the airline or other common carrier ticket is purchased with the eligible card.
  • MasterRental Insurance Coverage for damage to or theft of a vehicle rented using the card, subject to terms, conditions, limitations, and coverage limits.
  • Employee cards are available at no additional cost.
  • Employee spending limits, online and mobile-app monitoring, customizable instant alerts, recurring bill payments, digital wallet support, and Wells Fargo Mobile app account access.
All 11 benefits
  • Zero Liability Protection for promptly reported unauthorized transactions, subject to conditions.
  • Mastercard ID Theft Protection with identity-theft monitoring, alerts, and expert resolution 24/7/365; registration and enrollment are required.
  • Mastercard Business Assistant provides business assistance 24/7, including arranging business travel or meetings and recommending restaurants or office equipment.
  • Travel accident: up to $250,000
  • Rental car
  • Other

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APR12 months from account opening

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$0 · wellsfargo.com, since Oct 2, 2026
What is the purchase APR?
16.99–24.99% APR · wellsfargo.com, since Oct 2, 2026
Is there an intro APR?
0% for 12 months from account opening. · wellsfargo.com, since Sep 29, 2026
Is there a welcome bonus?
$500 cash back after $5,000 in purchases in 3 months. · wellsfargo.com, since Sep 29, 2026
See it on wellsfargo.com

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