Wells Fargo Active Cash® Business

Quick Snapshot

• Annual Fee: $0
• APR: 19.24%-28.99% variable
• Rewards: Unlimited 2% cash back on all business purchases
• Bonus: $500 cash rewards bonus after $2,500 in purchases in first 3 months
• Best For: Business owners who want the simplest and most rewarding flat-rate cash back card
• Credit Needed: Good to Excellent (670+)

Overview

The Wells Fargo Active Cash Business card extends the popular 2% flat-rate formula to business spending. It earns unlimited 2% cash back on every business purchase with no categories to manage, no quarterly activations, and no spending caps. The $500 sign-up bonus after $2,500 in spending within 3 months is notably generous for a no-annual-fee business card.

The card includes a 0% intro APR for 15 months on purchases, which is valuable for new businesses making initial investments or seasonal businesses managing cash flow. Employee cards are available at no extra cost, and all employee spending earns 2% back to the primary account.

Business-specific features include year-end spending reports for tax preparation, customizable spending limits for employee cards, and integration with popular accounting software. Combined with cell phone protection when you pay your business phone bill with the card, this is a well-rounded business card that prioritizes straightforward value over complex category optimization.

APR Breakdown

• Purchase APR: 19.24%-28.99% variable
• Balance Transfer APR: 19.24%-28.99% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: 29.99% variable

Note: 0% intro APR for 15 months on purchases. No intro APR on balance transfers. Variable APR of 19.24%-28.99% after intro period.

Benefits Overview

Flat-Rate Business Rewards

• Unlimited 2% cash back on every business purchase
• No spending caps or category restrictions
• No enrollment or activation required
• Employee cards earn 2% to the primary account at no cost

Introductory Offers

• $500 cash rewards bonus after $2,500 in purchases in 3 months
• 0% intro APR for 15 months on purchases
• No annual fee

Business Management

• Free employee cards with customizable spending limits
• Year-end spending summaries for tax preparation
• Integration with accounting software
• Cell phone protection up to $600 for your business phone
• Visa Signature business benefits

Rewards & Points

• 2% unlimited cash back on all business purchases

Cash rewards can be redeemed as a statement credit, direct deposit, or through the Wells Fargo rewards center. There is no minimum redemption amount for statement credits.

Welcome Bonus

Earn a $500 cash rewards bonus after spending $2,500 in purchases within the first 3 months of account opening. This is one of the highest bonuses for a no-annual-fee business card and requires reasonable monthly spending of about $833.

Fees Summary

• Annual Fee: $0
• Employee Card Fee: $0
• Balance Transfer Fee: 5% (min $5)
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Foreign Transaction Fee: 3%
• Late Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Small business owners who want maximum flat-rate cash back with no complexity
• New businesses that need a 0% intro APR for initial expenses
• Multi-employee businesses that want free employee cards earning 2% back
• Simplicity-focused owners who do not want to track bonus categories

Not Good For

• International businesses due to the 3% foreign transaction fee
• Category optimizers who spend heavily in areas where 3-5% cards exist
• Businesses needing balance transfers since there is no intro APR on balance transfers

Key Pros & Cons

Pros

• $500 sign-up bonus is exceptional for a no-annual-fee business card
• Unlimited 2% cash back on every business purchase
• 0% intro APR for 15 months on purchases
• Free employee cards earn rewards to the primary account
• No annual fee ever
• Cell phone protection for your business phone line
• Year-end spending summaries for easy tax filing
• Simple flat-rate structure requires no category management
• Customizable employee spending limits for expense control
• Integration with accounting software

Cons

• 3% foreign transaction fee impacts international business spending
• No intro APR on balance transfers
• 2% rate may underperform category-specific business cards in top spending areas
• No travel protections or premium business perks
• Variable APR after intro period can reach 28.99%
• Requires good credit, not ideal for brand new businesses with no credit history
• No airport lounge access or business travel perks

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

First-year value: $1,700 ($500 bonus + $1,200 rewards). Over 5 years at $60K annual spend, total rewards are $6,500 with no annual fee ever charged.

Should You Get This Card?

You Should Get It If...

• You want the highest flat-rate cash back on a no-fee business card
• You need free employee cards for your team
• You want a $500 sign-up bonus with accessible spending requirements
• Your business needs a 0% intro APR for initial purchases
• You prefer one simple card for all business spending
• You want year-end spending reports for tax preparation

You Should Skip It If...

• Your business has significant international spending
• You spend heavily in specific categories where you could earn 3-5%
• You need to transfer balances from another business card
• You want travel benefits and lounge access for business trips
• Your business is too new to qualify for good credit terms

Apply Now

Apply for Wells Fargo Active Cash® Business

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.