The Wells Fargo Signify Business Cash Credit Card Terms and Conditions

Wells Fargo Signify Business Cash^SM Terms and Conditions

IMPORTANT DISCLOSURES

How we will calculate your balance

We use a method called "average daily balance (including new purchases)".

Credit limit reallocation

If you have a credit card with Wells Fargo, have no current balance on that card and have not used your card for any purpose in the past six months and you are applying for an additional card, you agree to allow Wells Fargo to allocate your credit limits between your existing and new credit card accounts, to allow for use of both cards.  Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions.

How we will calculate your variable APRs

• Unless an introductory or promotional APR is in effect, we will add a “Margin” to the U.S. Prime Rate to determine your standard variable APR. For each billing period we will use the U.S. Prime Rate, or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. If the U.S. Prime Rate is not published or is otherwise unavailable, whether temporarily or permanently, we will select a substitute index that we believe, in our sole discretion, to be similar to the U.S. Prime Rate. The U.S. Prime Rate is 7.25 percentage points as of 10/06/2025.
• The "Margin" for purchases will be 9.99 to 17.99 percentage points, based on your creditworthiness and the creditworthiness of your business. The Maximum APR is 29.99%.
• The "Margin" for cash advances and overdraft protection advances will be 22.74 percentage points. The Maximum APR is 29.99%.
• Maximum APR will not exceed 29.99% for purchases, cash advances and overdraft protection advances.

Wells Fargo reserves the right to change terms, rates (APRs) and fees, at its discretion in accordance with the Wells Fargo Signify Business Cash Credit Card Customer Agreement and Disclosure Statement ("Customer Agreement") for your account and applicable law. 

You may not qualify for the lowest APRs within the range disclosed above. The APRs applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us.

Application of payments

Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances). Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones.

Overdraft protection

If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. If you have a joint checking account, you will be responsible for all advances, including interest and charges, from your credit card to cover overdrafts, regardless of who writes the check, makes the debit card purchase, or engages in any other transaction that causes the overdraft. Interest will accrue from the date each advance is made. Your credit card must be confirmed; if it is not confirmed, no money will transfer to cover the overdraft. Once your credit card has been confirmed, please allow up to 3 business days for your Overdraft Protection service to be fully enabled. Refer to the Wells Fargo Signify Business Cash Credit Card Customer Agreement and Disclosure Statement for details. There may be other options available to protect against overdraft that may be less costly.

Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask for your driver's license or other identifying information.

Consent to contact you

You agree that we have your consent to contact you at any phone number, email address, or mailing address you provide for any Wells Fargo account or at any number that you call us from or at any number that we obtain by other means. If you provided a phone number(s), you agree that you are authorized to provide this phone number(s) and agree to receive calls and text messages from Wells Fargo at this number(s) for all your current and future Wells Fargo products and services. This does not give Wells Fargo permission to call or text you for marketing purposes. Message and data rates may apply. Message frequency varies. Automated systems, including prerecorded or artificial voice may be used.

Notice to Ohio residents

The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Application agreement

This application is for a credit card with Wells Fargo Bank, N.A. You certify that all information provided is true, correct, and complete and that you have the legal capacity to enter into this Agreement on behalf the business customer. The Bank is authorized to verify or check any of the information given, to obtain credit reports on you and to make Overdraft Protection Advances if you requested that feature.  You authorize the Bank to obtain information from others to investigate your credit, employment and income history and state records including state employment security agency records and to report information regarding your account to consumer reporting agencies. You agree that the Bank will determine the amount of credit extended, as well as which product you qualify for, based on the Bank's review criteria. If you do not qualify for the product or pricing requested or for the lowest pricing offered, you authorize the Bank to grant you the product and pricing for which you do qualify. You agree to be bound by the terms and conditions of the Customer Agreement, which will be sent to you, and understand that the terms of your account may be changed at any time, subject to applicable law. You hereby stipulate to the terms of the arbitration program described in the Customer Agreement. You understand and agree that you will be liable for payment of all amounts owing on the account. The minimum credit limit, provided you meet the terms and conditions of this offer, is $2,500.00.

A consumer report on the Account Guarantor will be obtained from consumer reporting agencies, as will reporting on the business entity from the Small Business Financial Exchange, in considering this application and for the purposes of any update, renewal, extension of credit, review or collection of the account. Upon request, we will inform you of the name and address of each consumer or business reporting agency from which we obtain a consumer or other credit report relating to you.

Important notice

Please call to confirm receipt of your new card as soon as you receive it. If you do not do so, your requests for certain services such as Overdraft Protection, Wells Fargo Online® and ATM access may be delayed and you may be denied access to your account.

This information about the cost of the credit card account described in this disclosure is accurate as of September 2025. This information may have changed after that date. To find out what may have changed, call 1-833-441-0793.

Important offer details

$500 cash rewards bonus

To qualify for the $500 cash rewards bonus, a total of at least $5,000 in qualifying purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus cash rewards will show as redeemable within 1 – 2 billing periods after they are earned. "Purchases" that do not apply to this offer and do not earn cash rewards include: cash advances and equivalents of any kind (ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, peer-to-peer payments, and wire transfers); disputes, illegal actions, and violations (disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (returned payment fees, monthly or annual fees); gambling transactions (bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances may affect the credit line available for this offer. Refer to the Summary of the Wells Fargo Business Rewards Program Terms and Conditions and Addendum to the Wells Fargo Business Rewards Program Terms and Conditions for more information about the rewards program.

Effective: September 17, 2025

These Wells Fargo Business Rewards^® Program Terms and Conditions (collectively called Terms) are only a summary of the full Terms. Other restrictions and requirements apply. When you open a Wells Fargo Signify Business Cash Credit Card we will provide you with the full Wells Fargo Business Rewards^® (Program) Terms.

You can also find the most current full Terms online at wellsfargo.com/bizrewards.

In this information, "you" and "your" means each person who owns a Wells Fargo rewards–based Business Credit Card (Credit Card) and participates in its Program, according to our records. "Wells Fargo," "We," "Us," or "our" mean Wells Fargo Bank, N.A.

• Represent all the Program’s "rules" for our credit card
• Include any additional terms and conditions we reference
• Include any promotional terms and conditions for earning bonus Rewards

• When Rewards expire
• When you forfeit them
• How much you can earn each year

By participating in this Program, you agree to these Terms. You also acknowledge that you must consent to certain agreements to use your account online.

Please note: This Program is not available for products, promotions, or offers unless we specifically allow it.

1. What do you earn by participating in the Program?

   In this Program, you open a Business Rewards Account, which holds, calculates, or collects Rewards. These Rewards are Cash Rewards (including Rebates). Rewards only have cash value when you redeem them.

2. How do we calculate Cash Rewards?

   For every $1 you spend with this Credit Card for qualifying purchases, you earn two cents ($0.02) in Cash Rewards. We round the amount to the nearest one cent.

3. How do you earn Cash Rewards?

   You can earn unlimited Cash Rewards, unless we tell you otherwise. You can do so in a variety of ways, including:

   • Credit Card Purchases

     • At qualifying merchants
     • With other promotions or offers that we provide you

   • Non-Credit Card Activity

     • Gifts
     • Transfers
     • Other similar activity

   • Promotions and Offers

     You may also earn bonus Cash Rewards for promotions or offers that you have with your Credit Card Account. We will give you the terms and conditions for earning bonus Cash Rewards when your Credit Card has a promotion or offer. A limit may exist on bonus Cash Rewards.

4. Which transactions do not earn Cash Rewards?

   Some transactions will not earn Cash Rewards, such as the following examples:

   • Cash Advances and Any Kind of Equivalents

     • ATM transactions
     • Cash advances
     • Money orders
     • Pre-paid gift cards
     • Traveler’s checks
     • Wire transfers
     • Peer-to-peer payments
     • Overdraft protection advances

   • Disputes and Illegal Transactions

     • Disputed or illegal purchases
     • Purchases that violate these Terms or Program, or credit card account agreement terms

   • Fees and Interest

     Any kind of fees or interest that post to your Credit Card Account, such as:
     • Foreign currency conversion fees
     • Late fees

   • Gambling Transactions

     Any kind of gambling transactions you make, including:
     • Bets or wagers made online
     • Casino gaming chips
     • Lottery tickets
     • Off-track wagers

5. What can reduce or eliminate your Cash Rewards?

   You will lose earned Cash Rewards if you return a purchase or receive credit from a disputed purchase. As a result, you may create a negative Cash Rewards balance, which will appear in your Rewards Account within one to two billing periods. We will calculate this negative balance into your Rewards Balance as you continue to make purchases or do other non-credit card activity.

6. Do Cash Rewards expire?

   Cash Rewards do not expire while the Credit Card Account is open.

7. What can you redeem your Cash Rewards for?

   You can redeem your Rewards for a variety of uses, including:
   • Cash redemption
   • Charitable donations
   • Physical and electronic gift cards
   • Travel
   • Pay with Rewards (PWR) at PWR Merchants

8. How can you redeem Cash Rewards?

   You can redeem Cash Rewards in the following ways:

   • By phone or online

     You can redeem Cash Rewards in the following ways:
     • Statement Credit: You can redeem Cash Rewards in $0.01 increments. You can automatically apply them to your eligible Wells Fargo account.

9. What happens to your Cash Rewards if you pay your Credit Card late?

   You are required to pay your Credit Card by its due date. When this happens, your ability to redeem Rewards will not change. Late payments may affect your ability to earn Rewards. You will not be able to redeem, transfer, or gift them until you settle your late payment.

10. Can we change these Terms and the Program?

    Yes. We can change the Terms and change, suspend, or cancel any part of the Program at any time and for any reason. These changes may do any of the following:
    • Prevent you from earning and/or using Rewards
    • Decrease Rewards value
    • Cause you to lose Rewards

    If we materially change your Terms or the Program, we will notify you ahead of time. If we cancel the Program, then you must redeem your Rewards within three months from the date we notify you of this change. After this period, you lose any unredeemed Rewards.

11. Can we stop you from participating in the Program?

    Yes. We can immediately suspend or cancel your Program, in whole or in part, at any time and for any reason. We will do so if you do any of the following:
    • Violate these Terms or your Credit Card Account terms and conditions
    • Engage in fraud or suspected fraud, or someone associated with your Account does
    • Misuse or game the Program, or take another similar action
    If we suspend or cancel your Program, this action may:
    • Prevent you from earning and/or using Rewards
    • Decrease Rewards value
    • Cause you to lose Rewards
    • Require us to close your Credit Card Account

    NOTICE TO NEW YORK ACCOUNT HOLDERS: Effective December 10, 2023, if the Business Rewards Account, or the Business Credit Card, BusinessLine or Small Business Advantage Line of Credit tied to Your Rewards Account is closed for any reason (except for fraud or misuse), We will issue a check for the cash equivalent value of any available Rewards balance in Your Rewards Account. The check will be made payable to the Business and Rewards Account owner and sent to the address on file for Your account.

12. Can you cancel your Cash Rewards Program?

    Yes. You can cancel your Cash Rewards by closing your Credit Card Account. The following conditions apply:

    • If you have closed all your Rewards-eligible Credit Cards: You give up any pending or active Rewards that exist on the date that the Account closes. The only exceptions are what may exist in the Terms.
    • If you have multiple Credit Cards in your Business Rewards Account and you close one Credit Card: Your Rewards stay in your Business Rewards Account.