Wells Fargo Business Platinum Credit Card

An essential tool for your business

The Wells Fargo Business Platinum Credit Card is an essential tool to help you meet your business spending needs. With credit lines up to $50,000, it's tailored for businesses with annual sales of up to $2 million.

  • Annual fee. $0
  • Credit line. Up to $50,000
  • Number of cards. Up to 99
  • Optional rewards program. Choose between rewards points or cash back
Ready to apply? Apply Online
Or call us at 1-800-225-5935

Wells Fargo Business Card Rewards® is an optional rewards program that offers more value, more choices, and more flexibility. The annual program fee of $50 is waived for the first year for new Wells Fargo Business Platinum Credit Card customers. There is no limit to the rewards points or cash back you can earn. Earn more when you pay routine expenses with your business credit card such as phone, utility, and cable bills.

See how quickly you can earn rewards. Watch video

Your options

Choose from one of the following:

  • Rewards Points. Earn one point for every dollar in net purchases you or your employees spend with your Wells Fargo business credit cards. Plus, receive 1,000 bonus points for any monthly billing period in which your total company spend is $1,000 or more in net purchases.
  • Cash Back Advantage. Receive 1% cash back automatically credited to your Wells Fargo business credit card account or eligible business deposit account each quarter. Plus, receive a $10 cash rewards bonus any month your company spends $1,000 or more in net purchases. Choose to have your cash rewards bonus credited either to your business card account or to your eligible business checking or savings account.

Redeem your points

Get a 10% points bonus every time you redeem online. Earn even more bonus points when you shop online or in person at over 10,000 retailers participating in the Earn More Mall. Rewards available include:

  • Gift Cards. Treat yourself or your family and friends to a gift card from top retailers, online merchants, or restaurants.
  • Cash rewards. Redeem points for a cash reward.
  • Airline tickets. With our flexible airfare options, you can choose any available flight, on any major airline with no blackout dates.
  • Merchandise.   Reward yourself with brand name merchandise for as little as 2,500 points.
  • Wells Fargo Visa® gift cards. The perfect gift that can be used anywhere that accepts Visa.
  • Charitable contributions. Make a difference by redeeming your points for charitable contributions.

Features and benefits 

  • Credit line. Up to $50,000.
  • Increased acceptance and enhanced security. With chip technology, your Wells Fargo Business Platinum Card is accepted at more payment terminals around the world.
  • Card customization. Showcase your business every time you use your card with the Card Design Studio® service.
  • Grace period. At least 21 days on purchases with the option to pay in full or extend payments over time.
  • Visa® SavingsEdge. Enroll your card and receive discounts of up to 15%.
  • Other discounts. Savings on goods and services through the Visa Business Partner Advantage program.

Cash management tools 

  • Manage your account online. Monitor account activity, make payments, and transfer money with Wells Fargo Business Online®.
  • Manage your expenses. The Business Spending Report automatically organizes your Wells Fargo business credit card transactions into spending categories.
  • Pay bills direct with your card. Make one time or recurring payments with your business credit card. More on bill payment
  • Pay your credit card bill automatically. Have your credit card bill payments made automatically from your business checking account to your business credit card every month. More on automatic payment
  • Avoid overdrafts and returned check fees. Link your business credit card to your Wells Fargo business checking account to cover insufficient funds in your business checking account. More on overdraft protection 

Billing options

Choose between consolidated billing or individual cardholder billing


  • Annual fee. $0
  • Additional card fee. $0
  • Optional rewards program fee. $50 (waived for the first year)
  • Foreign transaction fee. $0

Interest rates 

  • Interest rate on purchases. Prime + 6.99% to Prime + 15.99%
  • Interest rate on cash advances. Prime + 20.74%


  • Zero Liability Protection. You will be fully reimbursed for unauthorized purchases or ATM transactions that are reported promptly.
  • Chip-enabled technology. All cards come with chip technology to provide an added layer of security. Watch video on chip based technology
  • 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 will reimburse you if items are lost, stolen, or accidentally damaged.
  • Visa Extended Warranty Protection. Extend manufacturer’s warranties, up to one additional year, on items you purchase with your business debit card.
  • Purchase protection. Receive secondary theft/damage coverage.

Travel protection 

  • Travel accident insurance. $250,000 per card.
  • Travel and emergency assistance services. A variety of emergency services available while traveling.
  • Auto rental insurance. Coverage for collision and theft. 

Wells Fargo Business Card rewards

See how quickly you can get bonus rewards with the Wells Fargo Business Platinum Card.

Watch video

Earn bonus rewards

Raise your rewards to new heights with your business credit card

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Consolidated billing

The company receives one combined statement and makes one payment. This billing type works well for companies who want to manage the payment of all business related costs from a centralized location.

Individual cardholder billing

This billing type works well for companies that want each cardholder to be responsible for the administration of their cards.