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Wells Fargo Business Elite Signature Card

Wells Fargo Business Elite Signature Card

3.5WalletHub Rating

WalletHub Rating

3.5

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

User Reviews

5.0

Market Comparison

3.4

fees: 2.9

rewards: 3.5

cost: 3.8

Other Features: 0.0

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WalletHub Rating

3.5/5

Wells Fargo Business Elite Signature Card has a rating of 3.5/5 according to our proprietary credit card rating system. This rating reflects how appealing Wells Fargo Business Elite Signature Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Business - Earn Rewards'. To break it down further, Wells Fargo Business Elite Signature Card earned a score of 2.9/5 for Fees, 3.5/5 for Rewards, 3.8/5 for Cost, and 5.0/5 for User Reviews.

WalletHub Rating Breakdown

User Reviews

5.0/5

75 reviewsRead and write reviews

Market Comparison

3.4

The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Business - Earn Rewards” for this card.

Fees

2.9

Rewards

3.5

Cost

3.8

Other Features

0.0

3.4/5

Compared against 1,500+ credit cards

KEY TERMS

Excellent Credit

Annual Fee

$0 intro 1st yr, $125 after

APR on Purchases

11.99% (V)

Balance Transfer

Balance Transfers Not Allowed

Rewards

Get a one-time $1,000 cash back when you spend $25,000 in the first three months of account open date.

Earn 1.5% cash back for every $1 spent on net purchases. No required spending categories or caps.

Receive your cash back automatically as a credit to your statement or to your eligible checking or savings account each quarter (March, June, September, and December).

Wells Fargo Business Elite Signature Card's Additional Info

Best for Businesses with annual sales above $1 million. No additional fee for up to 200 employee cards and you can assign spending controls to each card on the account.

Cash management tools to manage spending, payments, and transfers online, pay bills direct with your card, pay your credit card bill automatically and avoid overdrafts and returned check fees.

Business Elite Online Reporting allows you to track and manage cardholder spending, payments, and other transactions, analyze spending by category, view spending by merchant and create custom reporting.

Purchase benefits: Fraud monitoring, Zero Liability Protection, Visa Purchase Security and Visa Extended Warranty Protection.

Travel benefits: Auto rental insurance, Travel accident insurance, Travel and Emergency assistance services, Travel cancellation/Trip interruption with weather, Trip delay reimbursement, Lost luggage coverage.

Wells Fargo Business Elite Signature Card Pros & Cons

$1,000 initial rewards bonus

No membership fees first year

Low regular APR

No foreign fee

High membership fees in the second year

No intro APR on purchases

No balance transfers allowed

Requires excellent credit

Compare The Wells Fargo Business Elite Signature Card vs. Popular Alternatives


3.5WalletHub Rating WalletHub Rating 3.5 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. User Reviews 5.0 Market Comparison 3.4 fees: 2.9 rewards: 3.5 cost: 3.8 Other Features: 0.0	3.4WalletHub Rating WalletHub Rating 3.4 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.0 User Reviews 3.7 Market Comparison 3.3 fees: 2.5 rewards: 3.5 cost: 3.6 Other Features: 0.0	4.2WalletHub Rating WalletHub Rating 4.2 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.8 User Reviews 2.7 Market Comparison 4.2 fees: 2.9 rewards: 4.7 cost: 4.6 Other Features: 0.0
(75)	(327)	(13)
annual fee$0 intro 1st yr, $125 after	annual fee$375	annual fee$150
rewards rate 1.5% Cash Back	rewards rate 1 - 4 points / $1	rewards rate 2 - 5% Cash Back
bonus offer$1,000	bonus offer As High As 200,000 points. Find Out Your Offer.	bonus offer $2,000
Purchase Intro APRNot Offered	Purchase Intro APRNot Offered	Purchase Intro APRNot Offered
transfer intro aprNot Offered	transfer intro aprNot Offered	transfer intro aprNot Offered
Regular APR11.99% (V)	Regular APR17.74% - 28.49% (V)	Regular APR25.74% (V)
Add to Compare	Add to Compare	Add to Compare
	Sponsored Apply Now Rates & FeesTerms Apply	Sponsored Apply Now Rates & Fees

Questions & Answers

Can't find what you are looking for? Submit your question about Wells Fargo Business Elite Signature Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.

Upvotes

How do I apply for Wells Fargo Business Elite card?

Adam McCann, Financial Writer

You cannot apply for the Wells Fargo Business Elite Signature Card right now, because applications for the card are no longer open at this point in time. The Wells Fargo Business Elite Signature Card has been unavailable to new applicants. However, there are other cards available from Wells Fargo that you can apply for online or in person.

Similar Cards to the Wells Fargo Business Elite Signature Card You Can Apply For

For more options, you can check out some of the best credit cards on the market here on WalletHub.

Wells Fargo Business Elite Signature Card Reviews

Share your insights and review for the Wells Fargo Business Elite Signature Card

5.0

What's Your Rating?

jewel
December 3, 2014 • @jew2014

I got my Wheels Fargo credit card around 2008 - 2009 and the first thing I've noticed was that they take all the necessary steps to accommodate as much as possible. Every time there was an issue, which was not that many, I got it resolved with one call, within 30 minutes.

Comment

jewel
November 28, 2014 • @jew2014

With Wheels Fargo I had account since 2008 when I opened my business and the first positive thing I've noticed was that the representatives take all the necessary steps and go behind to accommodate as much as possible. Knowing that I just opened up my business they gave me the best interest rate.
Every time there was an issue, which was not that many, I got it fixed within 30 minutes with one call. One time I got disconnected while I was talking with the representative named Jose he called me back immediately and a few days later I got a courtesy call from them.

Comment

+ 73 WalletHub users submitted a rating without writing a full review

Review Wells Fargo Business Elite Signature Card

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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

* The information about the following cards has been independently collected by WalletHub: Capital One Spark Classic for Business, Ink Business Cash® Credit Card, Ink Business Unlimited® Credit Card, and Wells Fargo Business Elite Signature Card.

Offer last updated: May 12th, 2026 at 22:31 ET

Wells Fargo Business Elite Signature Card

Wells Fargo Business Elite Signature Card

Credit Score

Annual Fee

APR on Purchases

Balance Transfer

Rewards

Wells Fargo Business Elite Signature Card's Additional Info

Wells Fargo Business Elite Signature Card Pros & Cons

Compare The Wells Fargo Business Elite Signature Card vs. Popular Alternatives

Questions & Answers

How do I apply for Wells Fargo Business Elite card?

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Wells Fargo Business Elite Signature Card Reviews

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