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Wells Fargo Business Secured Credit Card

Wells Fargo Business Secured Credit Card details
  • Cash Back option: Earn 1.5% cash back on every $1 spent
  • Reward Points option: Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
  • $0 annual rewards program fee,
  • $500 to $25,000 credit line
  • Zero liability protection

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

  • No foreign transaction fee
  • $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 of up to 25 days on purchases

Customer Agreement

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 annual rewards 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 (March, June, September and December).

Reward Points

  • Earn 1 point for every $1 spent on net purchases.
  • Get 1,000 bonus points when your company spends $1,000 or more in any monthly billing period.
  • Redeem points for gift cards, merchandise, airline tickets and more.
  • Get 10% point credit 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: You'll be fully reimbursed for unauthorized purchases that are made with your Business Secured Credit Card and reported promptly.
Alerts notify you about available credit and account activity.
Chip technology adds another layer of protection against fraud.
Fraud monitoring monitors your business accounts.