Wells Fargo Business Secured Credit Card

Simplify spending and build your business credit with Wells Fargo.

The Wells Fargo Business Secured Credit Card is an essential tool for businesses looking to establish or rebuild their business credit with Wells Fargo. It’s a convenient way to pay for everyday business expenses and a smart alternative to cash or checks.

  • Annual fee. $25
  • Credit line. Up to $25,000, depending on the amount you deposit to fund the card
  • Number of cards. Up to 10
  • Optional rewards program. Choose between rewards points or cash back
Ready to apply? Apply in person
Or call us at 1-800-225-5935

The Wells Fargo Business Secured Credit Card works like any credit card and can be used anywhere MasterCard® credit cards are accepted. Make travel reservations, purchase office supplies, and make online payments.

  • You provide $500 to $25,000 to fund your business secured credit card. Your credit line equals the amount of your deposit. As with any credit card, you'll need to make monthly payments toward any balance you accrue.
  • Establish or rebuild your business credit with Wells Fargo. Your account will be evaluated periodically for the opportunity to upgrade to an unsecured business credit card.
  • Get up to 10 cards for you and your employees.

Rates, fees, and information

  • Competitive rates. Purchase rate is Prime + 9.90% and cash advance rates of Prime + 20.74%.
  • Grace period. Enjoy an interest-free grace period of at least 21 days on purchases.
  • Low annual fee. Pay a low annual fee of $25 per card.
  • Foreign Transaction Fee. $0

Wells Fargo Business Card Rewards® is an optional 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 Secured Credit Card customers. With this program there is no limit to the rewards points or cash rewards you can earn. For questions, call 1-800-225-5935.

Your options

Earn more rewards when you pay routine expenses with your business credit card, such as phone, utility, and cable bills.  Choose one:

  • Rewards points. Earn one point for every dollar in net purchases you or your employees spend with your Wells Fargo business credit cards. Receive 1,000 bonus points any month your company spends $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 an eligible business checking account each quarter. Plus, any month your company spends $1,000 or more in net purchases, you'll receive a $10 cash rewards bonus credited to your business card account or deposited 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 that can be sent as a check or applied as a statement credit to your business card account.
  • 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. 


  • Zero Liability Protection. You'll 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. Wells Fargo Business Online® can deliver timely business credit card account alerts via email or text.
  • Fraud monitoring. We proactively monitor your business accounts to help prevent fraudulent use of your card.
  • Extended warranty. Doubles manufacturer warranties up to one additional year.
  • Purchase Assurance®. Provides coverage against theft of or damage to most new items purchased with your eligible MasterCard card up to 90 days from the date of purchase. 

Travel protection

MasterTrip® Travel Assistance. Take the stress out of travel. Emergency cash, replacement of lost tickets and documents, and lost luggage assistance are all available when you need them. 

MasterRental® Insurance Coverage. Get full-value primary loss coverage (up to $50,000) and secondary personal effects coverage for rental vehicles.

Features and benefits 

  • Credit line. Select your credit line from $500 to $25,000.
  • Customize your card. Showcase your business every time you use your card with the Card Design Studio® service.
  • Low annual fee. $25 per card.
  • Business card rewards. $50 per company for this optional program. We'll waive this fee for the first year for new Wells Fargo Business Secured Card customers.
  • Global acceptance. With chip technology, your Wells Fargo business credit card is accepted at more payment terminals around the world. The encrypted microchip can significantly reduce the risk of fraud.
  • Additional cards. Order up to 10 additional cards for designated employees.
  • Discounts. Enjoy savings on goods and services through the MasterCard Easy Savings® program. 

Cash management tools 

  • Manage spending 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. Simply call your service provider with your credit card number, expiration date, and requested payment date. 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 payments
  • 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 

  • Individual cardholder billing
  • Automatic payment at no extra charge

Control your expenses

Pay bills with your business credit card to control your expenses

Learn More