Business credit card questions

We are gearing up for some exciting new offerings with Small Business Credit Cards and we look forward to sharing more in the coming months. We will no longer be accepting new applications for our Business Platinum and Business Elite Signature Credit Cards.

Wells Fargo maintains its strong commitment to small business customers, and we are here to help meet your small business credit needs. We invite you to read more about our Small Business offerings.

Yes. You can request at the time of account application, or any time after your account is booked.

You can assign controls when you apply for a Business Elite Signature Card, or call our Business Elite servicing team at 1-800-231-5511.

For Business Platinum Credit Card, call 1-800-225-5935. For Business Elite Signature Card, call 1-800-231-5511.

You may pay your Current Payment Due to extend your payments over time or pay the full balance. Please refer to the customer agreement for more details.

Please note, for Business Elite Signature Card customers, the Current Payment Due will be either 5% of the balance or $500 (whichever is greater). If the balance is less than $500, the Current Payment Due will equal the balance. For companies with credit lines over $100,000, the monthly balance must be paid in full.

Send your payment to the one of the following addresses:

For Business Platinum Credit Card and Business Secured Credit Card:
Payment Remittance Center
P.O. Box 77033
Minneapolis, MN 55480-7733

For Business Elite Signature Card:
Elite Card Payment Center
P.O. Box 77066
Minneapolis, MN 55480-7766

Here are other options for making payments:

• Make a transfer through Wells Fargo Business Online^® from a Wells Fargo account (see Can I use my Wells Fargo business credit card to pay my bills payments FAQ).
• Use our automatic payment service.
• Call us: For Business Platinum Credit Card and Business Secured Credit Card please call 1-800-225-5935. Business Elite Signature Card members call 1-800-231-5511.

Simply enroll in Wells Fargo Business Online^® and you will have secure online access to your accounts through your desktop and mobile devices.

Yes, there are three options:

• Once you enroll and have your Wells Fargo Business Online^® username and password, you can assign view-only account access for up to 25 guest users.
• If your employee is already enrolled in Wells Fargo Online^®, they can sign on and go to Welcome > Account Settings > Add Account, or call 1-800-956-4442 to request access to the card account.
• If your employee is not a Wells Fargo customer, he/she can visit one of our local branch locations to request access or enroll in Wells Fargo Online^®.

Once you enroll and have your Wells Fargo Business Online^® username and password, you can sign on and go to Account Access Manager. There you can assign view-only account access for up to 25 guest users. And you can return to the Account Access Manager to remove access for any guest users.

Yes. You can link your Wells Fargo business credit card to your Wells Fargo business checking account to cover insufficient funds/overdrafts.

To sign up for Overdraft Protection, sign on to your business account through Wells Fargo Business Online^®. Select the Account Services link at the top right of the page, then select Credit Card Service Center. You can also enroll by calling the phone number on the back of your business card.

Unsure of how to sign on to your business account? You may need to enroll in Wells Fargo Business Online^®.

Advances from your credit account are treated as cash advances and interest will accrue from the date each advance is made. Subject to account eligibility requirements. Please see your Customer Agreement for details.

Yes. Using your business credit card makes bill paying easier and more secure. Your payment won't get lost or stolen in the mail. With our business credit card grace period, you can also optimize your cash flow to better manage your business.

Benefits also include:

• Save time and stamps. Mail fewer checks by streamlining your payment.
• Track payments. Track monthly bill payments with the Business Spending Report.
• Earn rewards. Earn rewards on every bill you pay with your business credit card.

Contact your service provider or merchant to set up one-time or automatic bill payments.

With our Automatic Payment service, have your credit card bill payments made automatically from your business checking account.

Choose from 2 monthly payment options

• Pay the current payment due.
• Pay your balance in full. For accounts with credit limits over $100,000, the monthly balance must be paid in full.

• Wells Fargo will deduct the payment from a business checking account at any financial institution. You'll get a message on your credit card statement alerting you to the amount and the date the payment will be deducted. You’ll know exactly when your automatic payment will clear.

To sign up for Automatic Payment, sign on to your business account through Wells Fargo Business Online^®. Select the Account Services link at the top right of the page, then select Add Credit Card Features. For Business Platinum Credit Card and Business Secured Credit Card, enroll by calling 1-800-225-5935. For Business Elite Signature Card, call 1-800-231-5511.

Unsure of how to sign on to your business account? You may need to enroll in Wells Fargo Business Online^®.

You can set up your account with consolidated cardholder billing or individual billing.

• For Business Platinum Credit Card and Business Secured Credit Card, call 1-800-225-5935.
• For Business Elite Signature Card, call 1-800-231-5511.

There are a few ways to apply for a credit line increase:

• Online or by visiting a branch near you or call 1-800-225-5935

• Contact your business banker or call 1-800-231-5511

Yes, with enrollment in Wells Fargo Business Online^®, you can generate spending reports to help you manage your business expenses easily and effectively. This service allows you to:

• Track and manage cardholder spending, payments, and other transactions
• Analyze spending by category
• View spending by merchant
• Create various reports

Sign on to Wells Fargo Business Online^®, from the Accounts tab, go to Manage Cards, and select the Business Credit Card Center. Then select Spending Reports.

You can select which alerts you'd like to receive and decide if you want them sent to your email or mobile device.

• Choose the alert and the frequency
• Add new alerts or change your preferences anytime

Based on your preferences, you can set up alerts to be notified when:

• The number of purchases made in a single day exceeds a limit or dollar amount that you choose
• A payment has posted to your account
• Your credit card payment is due
• Your available credit drops below a certain amount

You will need to enroll in Wells Fargo Business Online^® with a valid email address and eligible business credit card. To enable alerts:

1. Sign on, then select Accounts, then Manage Alerts
2. Choose the card number
3. Select the alert type and delivery method
4. Select Subscribe to save your selections

If you have a transaction on your credit card that you or your employees did not authorize, please contact us immediately.

• For Business Platinum Credit Card and Business Secured Credit Card, call 1-800-225-5935.
• For Business Elite Signature Card, call 1-800-231-5511.

With Zero Liability protection, you are not responsible for unauthorized transactions that are reported within 60 days from the first statement showing the unauthorized transaction. If your card (or card number) is ever lost or stolen, report your missing card right away or tell us as soon as you notice any unauthorized activity.

• For Business Platinum Credit Card and Business Secured Credit Card, call 1-800-225-5935.
• For Business Elite Signature Card, call 1-800-231-5511.

If your business card is lost, stolen, or if you notice unauthorized use on your account, you can request a replacement card:

• Visit our mobile app and select "Replace My Card" on the main menu
• Visit wellsfargo.com/replacemycard
• For Business Platinum Credit Card and Business Secured Credit Card, call 1-800-225-5935. For Business Elite Signature Card, call 1-800-231-5511.

Visa Secure is a service offered by Visa and Wells Fargo to help protect cardholders against unauthorized online purchases. Each transaction is evaluated by the service and in some cases, you will be asked to enter a one-time passcode to complete the transaction.

Mastercard Identity Check is a service offered by Mastercard^® and Wells Fargo to help protect cardholders against unauthorized online purchases. Each transaction is evaluated by the service and in some cases, you will be asked to enter a one-time passcode to complete the transaction.

No. Wells Fargo is working to help keep your card secure and will only prompt you for a passcode when additional verification is required.

The one-time passcode will be sent via text to the mobile phone number that is on file with Wells Fargo to service your account. If you have more than one mobile number on file, you will be prompted to select the desired number. We send our one-time passcodes from 93557 or 93733. We recommend that you add the numbers to your phone’s address book so you’ll be able to easily identify our text messages.

Prime refers to the rate that Wells Fargo announces from time to time as its Prime Rate. The Wells Fargo Prime Rate is subject to change at any time. The overall rate assigned is variable and is expressed as Prime plus a spread. Rates are subject to change after booking.