Wells Fargo
Signify Business Cash®
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% introductory APR for 12 months from account opening. |
| Regular APR | variable APR will be 16.74% – 24.74% |
| Network | Mastercard |
About this card
The Signify Business Cash card earns an overall rating of 4.1, placing it in the 'Excellent' category. This rating is based on a synthesis of its strengths and weaknesses, with a strong emphasis on its generous rewards program and favorable fee structure. The standout feature is the unlimited 2% cash back on all purchases with no annual fee, making it a simple yet highly rewarding card for business owners. The $500 sign-up bonus further enhances its appeal. The primary drawback is the high regular APR, which can be a significant cost for cardholders who carry a balance. However, for businesses that pay their balances in full each month, this card offers exceptional value. Wells Fargo's brand strength and the positive reputation of the card also contribute to the strong overall rating.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No annual fee
- Intro APR period
- Employee cards at no additional cost
Things to consider
- High regular APR
- Requires good or excellent credit
- Pay as you go lounge access
What this card offers
Sign-up bonuses
- EARN A $500 CASH REWARDS BONUS when you spend $5,000 in purchases for your business in the first 3 months.
Rewards
- Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
Other features
- You can easily apply the cash rewards you’ve earned as a statement credit to an eligible account.
- Your rewards don’t expire as long as your account remains open.
- Give your employees the power to make purchases for your business and earn more rewards.
- Set employee spending limits, monitor cards, and more — online or in the mobile app.
- Track expenses and employee card purchases with customizable, instant alerts.
- Wells Fargo Mobile® app
- Enjoy the freedom and convenience of secure account access — virtually wherever business takes you.
- Digital wallets
- Add your Signify Business Cash® Card to your device’s digital wallet for quick, secure payments.
- Recurring bill payments
- Save time and make recurring payments with merchants that you pay regularly while turning your business expenses into rewards.
- Zero Liability Protection
- Built-in protection features ensure that you won’t be held responsible for unauthorized transactions, as long as they’re reported promptly.
- Mastercard ID Theft Protection™
- Detection and protection against identity theft, including monitoring, alerts, and expert resolution 24/7/365. Enrollment is required.
- Mastercard Business Assistant
- Efficient & expert assistance, 24/ 7 — from arranging business travel or meetings, to recommending restaurants or office equipment upgrades.
- Priority Pass™
- Complimentary membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
- Worldwide Automatic Common Carrier Travel Accident Insurance
- Get Travel Accident Insurance protection of up to $250,000 when you purchase your airline or other common carrier ticket with your eligible credit card.
- MasterRental Insurance Coverage
- Drive with extra confidence when traveling for business, here or abroad, knowing you're protected against damage to, or theft of, a vehicle rented using your Signify Business Cash® Card.
- You can add employee cards to Signify Business Cash® at no additional cost.
Additional Notes
Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Apply now to take advantage of this offer.