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Wells Fargo Business Elite Signature Card

  • For businesses with annual sales over $1 million
  • New customer offer: Earn a one-time $1,000 cash back bonus or 100,000 bonus points when you spend $25,000 in the first three months after account open date
  • Cash Back or Reward Points: Earn 1.5% cash back on every $1 spent or earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period
  • Travel Incidental Fee Reimbursement: up to $100 per calendar year per company
  • Annual Fee: $0 first year, and then $125

Great For

  • Businesses that want to earn more valuable rewards
  • Businesses that want spending controls on cards
  • Businesses that need dedicated customer service

Other Features

  • No foreign transaction fee
  • Up to 200 employee cards
  • Bill payment options
  • Online Business reporting tool
  • $0 additional card fee

Business Rewards

  • No required spending categories or caps.
  • Choose to earn Cash Back or Rewards Points.
  • New customer offer: Earn a $1,000 cash back bonus or 100,000 bonus points when you spend $25,000 in the first three months after account open date.

Cash Back

  • Earn 1.5% cash back for every $1 spent on qualifying purchases.
  • 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).

Reward Points

  • Earn 1 point for every $1 spent on qualifying purchases.
  • Receive 5,000 bonus points when your company spend reaches $10,000 in any monthly billing period.
  • Redeem points for gift cards, merchandise, airline tickets and more.
  • Get a 10% points credit every time you redeem online (10% of redemption value).

View all rewards

Fees and Rates


  • $125 Annual fee (waived first year).
  • No additional card fee.
  • No foreign transaction fee.
  • Transaction fees for cash advances or balances transfer may apply – see your customer agreement for details.

Interest rates

  • Interest rate on purchases. Prime + 3.99%
  • Interest rate on cash advances. Prime + 20.74%
  • Grace period of up to 25 days on purchases.

Customer Agreement

Spending Controls

Assign spending controls to each card on the account, such as:

  • Office administration. Allow only office-related purchases such as printing, copying, and equipment rentals.
  • Travel. Ideal for employees who travel for business purposes.
  • Driving. Limit spending to driving-related expenses like gas, tolls, and parking.
  • Transaction Limits. Set specific dollar limits on purchases.
  • Business hours. Limit employee spending to business hours only.

Assign controls when you apply, or call the dedicated Business Elite Card customer service team at 1-800-231-5511.

Additional Features and Benefits


  • Showcase your business with the Card Design Studio® service.
  • Company administrators. Owners can designate up to three administrators to manage accounts on behalf of the company.
  • Travel Features:
    • Travel Incidental Fee Reimbursement: up to $100 per calendar year per company.
    • Visa Perks. Enjoy business travel discounts and hotel benefits through the Visa Signature Luxury Hotel Collection.
    • Visa Signature Concierge service. Take advantage of complimentary 24/7 Concierge Service.

Cash management tools

Billing options

  • Choose between consolidated billing or individual cardholder billing.


Business Elite Online Reporting® is a service for Business Elite Signature Card holders that helps you monitor patterns and analyze your business spending. This valuable tool allows you to:

  • Analyze cardholder spending. Review employee expenses including transactions and available credit limit.
  • Track spending by merchant. View spending data by merchant or categories.
  • Identify cost savings. Find opportunities to negotiate volume discounts with key merchants.
  • Download and print reports. Save in PDF or CSV file format for record keeping and tax preparation.

Learn more about Business Elite Online Reporting® (video)

Sign on to Wells Fargo Business Online® to access the reporting in the Business Credit Card Center.


Purchase Protection

  • Zero Liability Protection. You'll be fully reimbursed for unauthorized purchases or ATM transactions that are made with your Business Elite Card and reported promptly.
  • Chip-enabled technology. All cards come with chip technology to provide an added layer of security.
  • Alerts. Get timely business credit card account alerts via email or text through Wells Fargo Business Online.
  • Fraud monitoring. We proactively monitor your business accounts to help prevent fraudulent use of your card.
  • Visa Purchase Security. Replaces or repairs eligible purchases, or reimburses you if items are lost, stolen, or accidentally damaged.
  • Visa Extended Warranty Protection. Extend manufacturer warranties, up to one additional year, on items you purchase with your Business Elite Signature Card.

Travel Protection

  • Travel accident insurance. Receive coverage up to $250,000 per card.
  • Trip cancellation/Trip interruption including weather. Up to $2,500 per ticket.
  • Trip delay reimbursement. Up to $300 per ticket.
  • Lost luggage coverage. Up to $3,000 per trip.
  • Travel and emergency assistance services. A variety of emergency services available while traveling.
  • Auto rental insurance. Coverage for collision and theft.

To apply, call us at 1-844-807-5060

The Wells Fargo Prime Rate is 8.00% as of 03/23/2023.

Why a Business Elite Signature Card?

The Business Elite Signature Card is a credit card for established businesses with annual sales over $1 million. It offers more purchasing power, enhanced benefits and added security to control employee spending. You can also choose to earn rich rewards points or cash back. Please view details for more information on rates, fees, and features.