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Wells Fargo Business Elite Card

The business credit card built for your business.  How to Apply
A powerful, flexible business tool
The Wells Fargo Business Elite Card is a powerful business tool that gives you the features and flexibility you need.
  • Give your business real purchasing power. With credit lines up to $100,000, you can obtain the spending limit you need to manage your business expenses.
  • Manage expenses with spending controls. Limit where and how your employees use their business credit cards.
  • Get rewarded for your business spending. Earn rewards on every purchase, with every card. With the optional Wells Fargo Business Card Rewards® program, you’ll pay only a $50 annual fee for one of the richest rewards programs available.
  • Access detailed spending reports. With Business Elite Online Reporting, you can create spending reports by category, employee, and merchant. Use reports to track employee expenses and identify cost reduction opportunities.
  • Save money. With no annual card fee, you will save up to $2001 a year. There are no additional fees for employee cards.
Additional Features Show Details
  • Competitive rates. Get purchases rates as low as Prime + 5.99% to Prime + 14.99%. Plus, enjoy an interest-free grace period of 25 days.
  • Wells Fargo Business Online® . Access your account anytime, anywhere online.
  • Automatic Payments. Have your credit card bill payments made automatically from your business checking account.
  • Overdraft Protection. Link your Wells Fargo Business Elite Card to your Wells Fargo Business Checking account and you can cover potential overdrafts in your checking account with funds from your credit card account, up to your available credit limit.
  • Visa® SavingsEdge. Get automatic savings at participating merchants by enrolling at
When you’re ready to explore all that the Business Elite Card can do for you and your business, just select the other tabs for information on spending controls, reporting, rewards, and card design studio.
1 Source: Competitor web sites.
Control spending with the Business Elite Card
Stay in control of where and when your employees use their cards.

As a Business Elite Card customer, you’ll have the option of assigning controls to each card on the account to allow spending for approved transaction types.
Customers can assign one spending control per card. Here are some examples of the controls available:
  • Office Administration — Allows spend on office-related purchases such as printing, copying and equipment rentals
  • Travel — Ideal for employees who travel for business purposes
  • Driving — Limit spending to driving-related expenses like gas, tolls, and parking
  • Purchase Size — Set specific dollar limits on purchases
  • Business Hours — Limit employee spending to business hours only
You can assign controls when you apply, or call our dedicated Business Elite Card customer service team at a more convenient time. You can change or remove a cardholder’s spending controls at any time.
Easily and effectively manage your business expenses
Image of sample Business Elite Online Reporting screen
Business Elite Online Reporting allows you to:
  • Track and manage cardholder spending, payments, and delinquencies.
  • Analyze spending by category to better manage expenses and improve cost savings.
  • View spending by merchant to find opportunities to consolidate purchases and negotiate discounts.
  • Create custom reporting based on your business needs. Export data on a daily, weekly, monthly, quarterly, or annual basis.

If you’re already enrolled, sign in to access your reports.

Click here for more information on the Business Elite Online Reporting service.

Take a tour of Business Elite Online Reporting.

To apply for a Business Elite Credit Card, contact your Business Banker at a location near you.
Business Online Banking
Wells Fargo Business Online® gives you free access to both your business and personal accounts, so you can manage your business banking anytime, anywhere you have Internet access.
  • Business owners or guarantors can access their account via the internet, web-enabled mobile phone, or via text message
  • Get a complete picture of your business finances in one place — check your account balances, monitor account activity, analyze business spending and get access to over 12 months of transaction history
  • Track and organize Spending with Business Spending Report — Monitor spending patterns, categorize card transactions and set monthly goals
A credit card that rewards you more
The optional Wells Fargo Business Card Rewards® program rewards you like no other program with more value, more choices, and more flexibility. Enroll your Wells Fargo Business Elite Credit Card and earn rewards with every dollar spent by you and your employees. Use these points for your business or to reward your employees.
  • Choose one of the following ways to earn:
    • Rewards Points: Receive one point for every dollar you or your employees spend with your Wells Fargo Business Elite Cards.
    • Cash Back Only: Get 1% cash rewards credited automatically every quarter.
  • Enjoy no limit on the points you can earn.
  • Get more valuable rewards for fewer points than competing programs.
  • Choose from airline travel, cash back, gift cards, and merchandise.
  • Select the airline of your choice with no blackout dates.1
  • A $50 annual program fee covers all the cards on the account.
Picture of Todd Parent
“With my rewards points, I travel for business meetings and get gift cards for employee recognition.”

Todd Parent — Owner, Extreme Pizza — San Francisco, CA
Picture of Zina and Kambiz Azimzadeh
“It is very easy to redeem and we get more rewards for less points. There are no gimmicks.”

Zina & Kambiz Azimzadeh — Owners, Horton Toy Store — San Diego, CA
Business Card RewardsLearn More
1 A $24 airline ticket redemption fee applies. The airline ticket must be booked through or the Business Card Rewards Service Center.
Make your card as unique as your business
Showcase your business every time you use your Wells Fargo® Business Elite Card. Customizing the design of your card is easy and takes just a few minutes with the free Wells Fargo Card Design Studio service.
Design your card
With the Card Design Studio service, you can customize your Business Elite Card with your logo or another image that represents your business. Access to Business Online Banking required.

Each design option takes only minutes to create — explore the demo to see how the Card Design Studio service works.

Get started today — it’s fast, easy, and free!

Learn more about the Card Design Studio service
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