Wells Fargo Signify Business Cash Card: A Smart Pick for Everyday Business Spending
Looking for a reliable business card with cash back perks and no annual fee? The Wells Fargo Signify Business Cash Card is designed to keep your expenses organized while putting money back in your pocket. With unlimited 2% cash back on all purchases, no annual fee, and additional card benefits, this card is a solid option for entrepreneurs and small business owners looking for simplicity, savings, and control.
By: UsNetDinheiro
Unlimited 2% Cash Back
Earn a consistent 2% cash back on every business purchase—no categories, no caps.
No Annual Fee
Enjoy all the card’s benefits without having to worry about annual costs eating into your rewards.
0% Intro APR
Benefit from 0% introductory APR on purchases for the first 12 months—ideal for managing upfront costs or investments.
Flexible Redemption Options
Redeem your rewards as a statement credit, bank deposit, or even toward business purchases.
Why the Wells Fargo Signify Business Cash Card Might Be Right for Your Business
If you’re looking for a straightforward, high-earning business credit card, the Wells Fargo Signify Business Cash Card deserves your attention. One of the biggest draws is the unlimited 2% cash back on all eligible purchases—something not many business cards offer without restrictions. Whether you’re buying office supplies, paying for digital tools, or covering travel expenses, you earn the same rate across the board. There’s also a 0% intro APR on purchases for the first 12 months, giving you breathing room to manage new business costs or pay down large purchases over time. And since there’s no annual fee, you won’t lose any of your rewards to upkeep costs. The card also offers basic but essential features like account alerts, employee card controls, and fraud protection tools, making it easier to manage your business finances. Add to that a range of redemption options—from statement credits to direct deposits—and you’ve got a card that keeps things simple without skimping on value. For small business owners who value transparency, flexibility, and everyday savings, this card is a no-brainer.
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Is the Wells Fargo Signify Business Cash Card really unlimited 2% cash back?
Yes! You earn unlimited 2% cash back on every eligible purchase—no rotating categories or spending caps to worry about.
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Does this card have foreign transaction fees?
Yes, the card does charge foreign transaction fees, so it might not be ideal for international purchases.
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Can I add employee cards?
Absolutely. You can add employee cards at no extra cost and set individual spending limits to keep control.
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Do I need a Wells Fargo business account to apply?
Not necessarily, but in some cases, Wells Fargo may prioritize applications from existing business banking customers.
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What credit score do I need to qualify?
A good to excellent personal credit score (typically 700 or higher) improves your chances of approval.
How to Apply for the Wells Fargo Signify Business Cash Card
Getting your hands on the Wells Fargo Signify Business Cash Card is a fairly straightforward process. You can apply online through Wells Fargo’s official website, visit a local branch, or speak to a business banker directly. Before applying, make sure your business is in good standing and that you have basic details ready—like your EIN, legal business name, annual revenue, and estimated monthly expenses. Wells Fargo will also review your personal and business credit scores, so it helps to have those in good shape. During the application, you'll be asked to provide some personal identification, including your Social Security number and contact information. The process usually takes just a few minutes online, and many applicants receive an instant decision. If approved, you’ll receive your card by mail, typically within 7–10 business days. From there, you can set up online account access, add employee cards, and start earning cash back on every dollar your business spends. This card is available only to existing Wells Fargo business customers in some cases, so check eligibility requirements or call customer service if you're unsure.