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The Wells Fargo Signify Business Cash Credit Card Terms and Conditions

Wells Fargo Signify Business CashSM Terms and Conditions


  Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

0.00% introductory APR for 12 months from date of account opening.

After that, your APR will be 18.49% to 26.49%, based on your creditworthiness and that of your business. This APR will vary with the market based on the U.S. Prime Rate.

APR for Cash Advances and Overdraft Protection Advances


This APR will vary with the market based on the U.S. Prime Rate.

Paying Interest

Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and overdraft protection advances on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.


Annual Fee


Transaction Fees


  • Cash Advances

Either $10 or 5% of the amount of each advance, whichever is greater.

  • Foreign Currency Conversion/Foreign Transaction 

3% of each transaction converted to U.S. dollars.

Penalty Fees


  • Late Payment

Up to $40

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 8.50 percentage points as of 07/17/2024.
  • 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 February 2024. 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 cash rewards bonus will show as redeemable within 1 – 2 billing periods after they are earned. Cash advances of any kind do not earn rewards and may affect the credit line available for this offer. ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, wire transfers, fees or interest posted to your card account such as late fees, foreign currency conversion fees, bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off-track wagers, do not earn cash rewards. 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 further details.

Summary of the Wells Fargo Business Rewards Program Terms and Conditions for the Signify Business CashSM Credit Card

Effective: February 14, 2024

  1. In this summary, You will find the following terms:

    • "You," "Your," or "Customer" means each person who owns a Wells Fargo rewards-based Business Credit Card and participates in its Wells Fargo Business Rewards ("Program"), according to Our records.
    • "Wells Fargo," "We," "Us," or "Our" mean Wells Fargo Bank, N.A.

    Additional Defined Terms

    Credit Card

    An eligible Wells Fargo Business Credit Card that participates in the Wells Fargo Business Rewards Program.

    Business Rewards Account

    An account within the Business Rewards Program that holds, calculates and/or collects Rewards.


    The following items that You can earn by participating in the Program:

    • Cash Rewards

    • Points

  2. The Program Terms and Conditions represent the Program’s complete terms (collectively "Terms"), including any additional terms and conditions that We reference within these Terms and any promotional terms and conditions for earning bonus Rewards. This Program is not available for products, promotions, or offers unless specifically allowed. Rewards only have cash value when You redeem them. 
  3. By participating in this Program, You agree to these Terms and acknowledge that You must also consent to certain agreements for online use of Your account.
  4. For the Signify Business Cash Credit Card, you can earn unlimited Cash Rewards, unless We tell You otherwise. You earn two cents ($0.02) Cash Rewards for every $1 You spend with this Credit Card for qualifying purchases (purchases less returns and credits, and excluding cash advances (including overdraft protection advances), or any fees or interest posted to the account). We round the amount to the nearest one cent. You may also earn bonus Cash Rewards for promotions or offers connected to Your Credit Card account. We will let You know the terms and conditions for earning bonus Cash Rewards when We have a promotion or offer for Your Credit Card. There may be a limit on bonus Cash Rewards.
  5. You do not earn Cash Rewards on some transactions.  Examples of transactions which do not earn Cash Rewards:

    Cash Advances and Equivalents of Any Kind

    ATM transactions, cash advances (including overdraft protection advance), traveler’s checks, money orders, pre-paid gift cards, wire transfers

    Disputes, Illegal Actions, and Violations

    Disputed or illegal purchases, purchases that violate the terms of Your Credit Card account agreement or the Wells Fargo Business Rewards Program Terms and Conditions

    Fees and Interest of Any Kind

    Fees or interest posted to Your Credit Card account such as returned payment fees, late fees, monthly or annual fees

    Gambling Transactions of Any Kind

    Bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off-track wagers

  6. If You return a purchase or get a credit from a disputed purchase, these situations may reduce or eliminate Cash Rewards You have earned and may cause a negative Cash Rewards balance. Deducted Cash Rewards will appear in Your Rewards Account in 1 to 2 billing periods.
  7. Cash Rewards do not expire while this Credit Card account is open.
  8. You can earn Rewards in a variety of ways, including purchases made with Your Credit Card at qualifying merchants, other promotions or offers, or transfers or gifts.
  9. You can redeem Your Rewards for a variety of uses that may include cash redemption options, charitable donations, merchandise, physical and electronic gift cards, or travel.
  10. Cash redemption options by phone or online are redeemable in $0.01 Cash Rewards increments and can be done by applying it towards an eligible Wells Fargo account as a statement credit. Paper check redemptions are redeemable in $25 Cash increments only. Cash redemptions via a withdrawal from a Wells Fargo ATM are redeemable in $20 Cash Reward increments only. You must have a Wells Fargo Debit or ATM card in order to redeem Rewards at a Wells Fargo ATM.
  11. We can change the Terms and change, suspend, or terminate any part of the Program at any time and for any reason. These changes may prevent You from earning and/or using Rewards, decrease Rewards value, or cause You to lose Rewards. We will notify You in advance in writing when We make material changes to Your Terms or Program. You must redeem Your Rewards within three months from the date We notify You of the discontinuation. You will lose any unredeemed Rewards remaining after the three-month period.
  12. We can immediately suspend or disqualify You from the Program, in whole or in part, at any time and for any reason. We will suspend or disqualify You from the Program if You violate these Terms or Your Business Credit Card terms and conditions, engage in fraud or suspected fraud or someone associated with Your account does so, misuse or gaming the Program or if You take another similar action, according to Us in Our sole discretion. 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, and/or require Us to close Your Credit Card.
  13. A Credit Card becomes delinquent when You do not make a required payment by its due date. When this happens, Your ability to redeem Rewards will not change.
  14. If You want to cancel Wells Fargo Business Rewards, You must close Your Credit Card account. If the Credit Card that closes is the last Credit Card in Your Business Rewards Account, any Rewards Pending or Rewards in Your Business Rewards Account on the date the Account closed may be forfeited except as provided for in the Wells Fargo Business Rewards Program Terms and Conditions. If You have multiple Credit Cards tied to Your Business Rewards Account and You close one of the Credit Cards, Your Rewards will remain in Your Business Rewards Account.
  15. These Terms are only a summary. Other restrictions and requirements apply. The full Wells Fargo Business Rewards Program Terms and Conditions will be provided upon enrollment. You can also find the most current Wells Fargo Business Rewards Program Terms and Conditions online at