Maria Adams, Credit Cards Moderator
@m_adams
The best Wells Fargo business credit card is the Wells Fargo Business Platinum Credit Card, because it has an initial bonus of $300 cash back for spending $3,000 in the first 3 months. The card also offers 1.5% on all purchases. On top of that, the Wells Fargo Business Platinum Credit Card has a $0 annual fee.
Best Wells Fargo Business Credit Cards
- Overall: Wells Fargo Business Platinum Credit CardWells Fargo Business Platinum Credit CardLearn MoreLearn More
Initial bonus: The Wells Fargo Business Platinum Credit Card gives an initial bonus of $300 cash back for spending $3,000 in the first 3 months.
Ongoing rewards: There are 2 options for rewards with the Wells Fargo Business Platinum Credit Card. You can enroll in the cash back rate which is 1.5% on all purchases.
Alternatively, you can choose to receive Wells Fargo rewards points at a rate of 1 point per dollar spent instead, plus a 1,000-point bonus for spending at least $1,000 in any given billing cycle. You’ll still get the initial bonus with the points option - it will simply come as points instead of cash back. Rewards points can be redeemed for flights, gift cards, and more.
Intro APR: The card also comes with an intro APR of 0% for 9 months on both purchases and balance transfers. The card’s regular APR is 15.99% - 25.99% (V). There is also a 4% (min $10) balance transfer fee.
Authorized users: There’s no extra charge for additional authorized users.
Credit score requirement: At least good credit is required for approval.
- Low Regular APR: Wells Fargo Business Elite Signature CardWells Fargo Business Elite Signature CardLearn MoreLearn More
Initial bonus: The Wells Fargo Business Elite Signature Card offers an initial bonus of $1,000 cash back for spending $25,000 in the first 3 months.
Ongoing rewards: The card gives 1.5% cash back on all purchases.
Low APR: This card also has a low regular APR of 11.99% (V).
Authorized users: The Wells Fargo Business Elite Signature Card doesn’t charge extra for additional authorized users.
Credit score requirement: Good credit is required for approval.
Ultimately, if you’re not loyal to Wells Fargo, you can check out our editors’ latest picks for the best business credit cards on the market to weigh your options.
2023's Best Wells Fargo Credit Cards
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What are the Wells Fargo credit card minimum requirements?
Wells Fargo credit card requirements include having a credit score of 700+ (for most cards) and providing standard personal information such as your name, address, and date of birth. A Social Security Number (SSN) or an Individual Tax Identification Number (ITIN) is also required, and all applicants must be 18+ years old.
Wells Fargo Credit Card Requirements
- A credit score of 700+ (good credit) for most cards
- Physical U.S. address (no P.O. boxes)
- ...
Where can I check my credit card application status?
You can check your credit card application status either online or over the phone, depending on the credit card company. Many credit card applicants receive a decision within minutes, but it can take longer if the issuer needs more information or if it’s a close call between approval and rejection. Some credit card applications stay in pending status for up to 30 days.
All major credit card companies allow applicants to check their status...
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