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Wells Fargo Business Secured Credit Card

Wells Fargo Business Secured Credit Card details
  • New customer offer: Earn 1.5% cash back; $0 annual rewards fee
  • $500 to $25,000 credit line
  • Zero liability protection
  • No foreign transaction fee

Great For

  • Jump starting your business
  • Establishing or rebuilding business credit with Wells Fargo
  • Businesses with little to no business credit history
  • Businesses with past credit challenges

Other Features

  • $25 annual fee per card
  • Up to 10 employee cards
  • Spending reports available online

How it Works

  • $500 to $25,000 credit line based on the amount you deposit.
  • Use your card for everyday expenses, such as office supplies and online payments.
  • As with any credit card, you’ll need to make monthly payments.

Fees and Rates


  • Annual fee. $25 per card, up to 10 cards can be issued.
  • No foreign transaction fees.
  • Cash advance or balance transfer fees may apply – see your customer agreement for details upon approval.

Interest rates

  • Prime + 11.90% on purchases
  • Prime + 20.74% on cash advances
  • Grace period is at least 21 days

Learn How to Upgrade to Unsecured Credit

We'll periodically review your account and recent credit history for an opportunity to upgrade to an unsecured business credit card. You may become eligible with responsible use over time:

  • Whether and when you upgrade to an unsecured business credit card depends on a number of factors, including how you manage your Business Secured Credit Card account, other accounts, and other factors such as FICO score, payment history and ratio of credit card usage to credit limit.
  • There is no preset time frame for when you may get an upgrade into an unsecured business credit card. The upgrade is not offered automatically or guaranteed, regardless of how long the account has been open.
  • The Bank may hold collateral for up to 30 days following account closure in order to cover transactions that may be posted to the credit card account after it is closed.

Business Rewards

Enroll today to receive the current Rewards Program offer

  • No program fee.
  • No required spending categories or caps.
  • Your choice of Cash Back or Reward Points.

Cash Back

  • Earn 1.5% for every $1 spent on net purchases.
  • Receive your cash back automatically as a credit to your account or to your eligible checking or savings account each quarter.

Reward Points

  • Earn 1 point for every $1 spent on net purchases.
  • Get 1,000 bonus points when your company spend reaches $1,000 in any monthly billing period.
  • Redeem points for gift cards, merchandise, airline tickets and more.
  • Get 10% bonus when you redeem points online.
  • Earn extra bonus points or discounts from Earn More Mall® retailers
View all rewards

Protection and Additional Features

Take advantage of:

Keep your business protected:

Zero Liability Program protects you from unauthorized card usage.
Rapid Alerts track and notify you about account activity.
Chip technology
adds another layer of protection against fraud.
Fraud monitoring monitors your business accounts.
Purchase Assurance® provides coverage against theft.