Wells Fargo Signify Business Cash℠ Card

Quick Snapshot

• Annual Fee: $0
• APR: 19.24%-28.99% variable
• Rewards: 2% cash back on first $50,000 in qualifying purchases each year, then 1%
• Bonus: $750 cash rewards bonus after $7,500 in purchases in first 3 months
• Best For: Small businesses that spend under $50K annually and want a large sign-up bonus
• Credit Needed: Good to Excellent (670+)

Overview

The Wells Fargo Signify Business Cash Card is designed for small business owners with moderate annual spending. It earns 2% cash back on the first $50,000 in qualifying purchases each year, then drops to 1% on spending beyond that threshold. The headline feature is the $750 cash rewards bonus after spending $7,500 in the first 3 months, which is one of the largest bonuses on any no-annual-fee business card.

The card includes a 0% intro APR for 12 months on both purchases and qualifying balance transfers, making it useful for financing business startup costs or consolidating existing business debt. Employee cards are free, and the card integrates with popular accounting software for easier expense tracking and tax preparation.

For businesses spending under $50,000 per year, this card earns the same 2% rate as the Active Cash Business. The key differences are the $750 bonus (versus $500), the inclusion of a 0% intro APR on balance transfers, and the $50,000 annual cap on 2% earning. Businesses that spend more than $50K annually may prefer the Active Cash Business for its unlimited 2% rate.

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 12 months on purchases and qualifying balance transfers. Variable APR of 19.24%-28.99% after the intro period.

Benefits Overview

Cash Back Rewards

• 2% cash back on the first $50,000 in qualifying purchases each year
• 1% cash back on purchases beyond $50,000
• No bonus categories to track or activate
• Free employee cards earn toward the $50,000 threshold

Introductory Offers

• $750 cash rewards bonus after $7,500 in purchases in 3 months
• 0% intro APR for 12 months on purchases
• 0% intro APR for 12 months on qualifying balance transfers
• No annual fee

Business Tools

• Free employee cards with customizable spending limits
• Integration with accounting software
• Year-end spending summaries
• Cell phone protection when paying your business phone bill with the card
• Online and mobile account management

Rewards & Points

• 2% cash back on first $50,000 in qualifying purchases per year
• 1% cash back on purchases beyond $50,000 per year

Cash rewards are redeemable as a statement credit, direct deposit, or gift cards. The $50,000 annual cap resets each cardmember year.

Welcome Bonus

Earn a $750 cash rewards bonus after spending $7,500 in purchases within the first 3 months of account opening. This is one of the largest bonuses available on a no-annual-fee business credit card, requiring about $2,500 per month in spending.

Fees Summary

• Annual Fee: $0
• Employee Card Fee: $0
• Balance Transfer Fee: 3% intro fee for 120 days, then 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 businesses under $50K in annual spending who earn 2% on all their purchases
• Sign-up bonus seekers who can meet the $7,500 threshold for a $750 bonus
• Businesses with debt that need a 0% intro APR on balance transfers
• New businesses that need a 0% intro APR for startup purchases

Not Good For

• High-spending businesses that exceed $50,000 in annual purchases and drop to 1%
• International businesses due to the 3% foreign transaction fee
• Low-spending businesses that may not meet the $7,500 bonus threshold

Key Pros & Cons

Pros

• $750 sign-up bonus is among the highest for no-fee business cards
• 2% cash back on first $50,000 in annual spending
• 0% intro APR for 12 months on both purchases and balance transfers
• No annual fee
• Free employee cards
• Cell phone protection for business phone bills
• Year-end summaries and accounting software integration
• Intro balance transfer fee of just 3%
• Customizable employee card spending limits
• Good option for businesses needing both rewards and a 0% intro period

Cons

• $50,000 annual cap on 2% earning limits value for high-spending businesses
• Rate drops to 1% beyond $50,000 in annual purchases
• 3% foreign transaction fee
• $7,500 spending requirement for the bonus is higher than some alternatives
• 12-month intro APR is shorter than some competing offers
• No premium business travel perks
• No travel protections or lounge access
• 1% rate after cap is below the 2% offered by the Active Cash Business

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

First-year value for a business spending $40K: $1,550 ($750 bonus + $800 rewards). For businesses spending exactly $50K, the value reaches $1,750.

Should You Get This Card?

You Should Get It If...

• Your business spends under $50,000 per year
• You can meet the $7,500 spending threshold for the $750 bonus
• You need a 0% intro APR on both purchases and balance transfers
• You want a large sign-up bonus on a no-annual-fee business card
• You need free employee cards for your team
• You want simple cash back without category management

You Should Skip It If...

• Your business spends more than $50,000 annually, making the Active Cash Business better
• You have significant international business spending
• You cannot reach the $7,500 bonus threshold in 3 months
• You want premium travel benefits for business trips
• You prefer a card with unlimited 2% and no spending cap

Apply Now

Apply for Wells Fargo Signify Business Cash℠ Card

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