Wells Fargo Signify Business Cash® Card

Signify Business Cash® Card

Deliberately simple, unlimited 2% cash rewards

Also, earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.1

$0 Annual Fee
Important credit terms
Apply now

Best no annual fee card

Awarded by WalletHub (2026)

Wells Fargo Signify Business Cash® Card

Best no annual fee card

Awarded by WalletHub (2026)

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.

2%

unlimited 2% cash rewards

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

$0

annual fee

No annual fee.

More value for your business

12

months

0% introductory APR on purchases

for 12 months from account opening on purchases for your business. After that your variable APR will be 16.74% – 24.74%

$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.1

Why business owners choose Signify

Earn more cash rewards on every business purchase - without limits.

Wells Fargo Signify Business Cash ® card

Wells Fargo

Signify
Business Cash®

Capital One

Spark 1.5% Cash Select

American Express

Blue Business CashTM

Chase

Ink Unlimited®

Unlimited 2% cash rewards on business purchases without spend limits2

Signify Business Cash ®: Included
Capital One Spark 1.5% Cash Select: Not included
American Express Blue Business Cash TM: Not included
Chase Ink Unlimited ®: Not included

Low intro APR

Signify Business Cash ®: Included
Capital One Spark 1.5% Cash Select: Not included
American Express Blue Business Cash TM: Included
Chase Ink Unlimited ®: Included

$0 Annual fee

Signify Business Cash ®: Included
Capital One Spark 1.5% Cash Select: Included
American Express Blue Business Cash TM: Included
Chase Ink Unlimited ®: Included

Employee cards at no additional cost3

Signify Business Cash ®: Included
Capital One Spark 1.5% Cash Select: Included
American Express Blue Business Cash TM: Included
Chase Ink Unlimited ®: Included
Important credit terms
Apply now

1 of 4

Chart reflects a comparison of card benefits and does not reflect promotional offers that may be presented from time to time.

Third party trademarks are the property of their respective owners. References to other third party trademarks are not intended to imply endorsement or affiliation with such other trademark owners. Benefits comparison based on the products listed and the Signify Business Cash® Card as of 04/21/2026. Competitor data is subject to change without notice.

Calculate your cash rewards

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

Monthly business purchases

$0

$25,000

×unlimited 2% cash rewards2

×12 months

$1,200

yearly cash rewards earning potential

Estimated yearly cash rewards value

$1,200

Signify Business Cash® Card

$900

1.5% cash rewards cards

This tool is for illustration and educational purposes only.

You can easily apply the cash rewards you’ve earned as a statement credit to an eligible account.4

Features and benefits designed for the way you do business

Employee cards

Earn more rewards

Give your employees the power to make purchases for your business and earn more rewards.3

Take control

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

Stay informed

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

Travel features

Priority Pass™

Complimentary membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.7

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.8

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.9

Account management

Wells Fargo Mobile® app

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

Digital wallets

Add your Signify Business Cash® Card to your device’s digital wallet for quick, secure payments.10

Recurring bill payments

Save time and make recurring payments with merchants that you pay regularly while turning your business expenses into rewards.

Control and security

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.11

Mastercard ID Theft Protection™

Detection and protection against identity theft, including monitoring, alerts, and expert resolution 24/7/365. Enrollment is required.12

Mastercard Business Assistant

Efficient & expert assistance, 24/ 7 –– from arranging business travel or meetings, to recommending restaurants or office equipment upgrades.13

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.3 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 rewards2 on business purchases
  • Redeem your rewards as a statement credit4
  • No additional cost employee cards3

You will earn unlimited 2% cash rewards2 on purchases made for your business.

Yes. Current Signify Business Essential and Signify Business Elite credit card customers 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.
Important credit terms Apply now
Apply for the Wells Fargo Signify Business Cash® card

Signify Business Cash®

Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.1

Important Credit Terms Apply now

Signify Business Cash®

Important Credit Terms
Apply now

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.

Refer to 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.

1. 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 60 days after they are earned. “Purchases” that do not apply to this offer and do not earn cash rewards include: cash advances and cash equivalents of any kind (such as ATM charges, cash advances (including overdraft protection advance), traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers); disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); gambling transactions of any kind (such as 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 Wells Fargo Business Rewards® Program Terms and Conditions and Signify Business Cash® Card for more information about the rewards program. ←back to content2. 2% cash rewards are earned for every $1 spent in qualifying purchases, made on Business Card account(s), rounded to the nearest one cent. “Qualifying purchases” are net purchases (purchases minus returns/credits) and exclude cash advances and cash equivalents of any kind (such as ATM charges, overdraft protection advance, traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers); balance transfers including the use of SUPERCHECKS; disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); and gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Refer to the Summary of Wells Fargo Business Rewards® Program Terms and Conditions and Signify Business Cash® Card for further details. ←back to content3. Account Guarantors are responsible for repayments of all debts on the account, including all transactions made by Employee Cardholders. ←back to content4. 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 content5. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. ←back to content6. 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 content7. 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 content8. 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 content9. 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 content10. Digital wallets may not be available on all devices. Your mobile carrier’s message and data rates may apply. ←back to content11. 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 content12. 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 content13. 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

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