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Business Credit Card Questions

Application process

How do I apply for a business credit card?

There are a few ways to apply for a business credit card:

Business Platinum Credit Card Business Elite Signature Card
  • Please call 1-844-807-5060
Business Secured Credit Card
  • Online or please call 1-866-669-0779

What information will I need when I apply for a business credit card?

You will need:

  • Legal business name, address, and phone number
  • Date business was first established (this is the date the business originally opened, even if it was under different ownership.)
  • Business tax identification or Social Security number
  • Ownership type
  • Number of owners
  • Gross annual revenue
  • A Wells Fargo checking or savings account that has been open for at least one year.

At least one business owner/guarantor who indicates they have authority and control must apply and provide:

  • Name, address, and phone number
  • Social Security number or Individual Taxpayer Identification Number (ITIN)
  • Date of birth
  • Citizenship

Plus, for all businesses (excluding non-profits), each owner with 25% or more interest must be listed as a guarantor and provide:

  • Percentage of ownership
  • Annual household income

Cardholder information

Name (as it should appear on the card)

Can I request multiple employee cards?

Yes. You can request at the time of account application.

After I apply, when will I receive my card?

You will receive your new card(s) about 7 to 10 business days after your application has been approved and processed. If you requested additional cards on your application, they will be mailed at the same time, but in separate envelopes.

For Business Elite Signature Card, can I set spending limits on my employee cards?

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.

Using your account

How do I add or remove a cardholder from my account?

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.

What are my payment options?

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.

Where do I send payments by mail?

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

Are there other ways I can make payments?

Here are other options for making payments:

  • Make a transfer through Wells Fargo Business Online® from a Wells Fargo account or using Business Bill Pay (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.

How do I access my business credit card account online?

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

Can my employees view their business card transactions online?

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®, he/she 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®.

How do I add or remove guest-user online access?

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.

Card features

Can I use my Wells Fargo business credit card for Overdraft Protection?

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

How do I sign up for Overdraft Protection?

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®.

A transaction finance charge applies to each Overdraft Protection advance. Please see your Customer Agreement for details.

Can I use my Wells Fargo business credit card to pay my bills?

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.

How can I pay my business credit card automatically?

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.
Managing your payments
  • 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.
Enroll today

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®.

Do you offer consolidated billing?

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.

How do I apply for a credit line increase?

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

Business Platinum Credit Card Business Elite Signature Card
  • Contact your business banker or call 1-800-231-5511
Business Secured Credit Card

Can I get business credit card spending reports?

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

How do I access business credit card spending 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.

Card Alerts

How do alerts work?

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

What types of alerts can I receive?

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

How do I enable alerts?

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

About Business Secured Credit Card

How is the Wells Fargo Business Secured Credit Card different from other business credit cards?

The Business Secured card works like any other business credit card, but the credit line is secured by a collateral account. The amount of money you deposit in the collateral account ($500 to $25,000) equals the amount of your credit line.

What is a collateral deposit?

A collateral deposit is funded by you to secure your Business Secured Credit Card account, and will determine your limit.

Will my collateral deposit earn interest?

Funds provided for the collateral deposit will not earn interest.

Does the Business Secured Card earn rewards?

You may choose to enroll in the optional Wells Fargo Business Card Rewards® program when you open a new Business Secured Card account. There is no annual program fee.

There is no limit to the points or cash rewards you can earn. Choose one of the following:

  • Rewards points. One point for every dollar you or your employees spend with your Wells Fargo Business Secured Cards
  • Cash back only. 1.5% cash rewards credited automatically every quarter.

Questions? Visit Business Card Rewards Frequently Asked Questions.

Security and fraud

What do I do if I suspect that there has been an unauthorized transaction on my business credit card?

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.

What if there are unauthorized charges on my stolen card?

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.

What happens if one of my employees or I lose a business credit card?

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.

Should I notify Wells Fargo if a cardholder plans to travel and use the business card?

Yes, it’s a good idea to call 1-800-642-4720 or notify us by adding your travel plans online before traveling, to ensure continued access to your account.

Online Shopping Security

What is Visa Secure?

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.

What is Mastercard Identity CheckTM?

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.

Will a one-time passcode be required for all online purchases?

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

How will I receive the passcode?

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.

What if I do not recognize the mobile numbers that are available to choose from for Wells Fargo to send the passcode?

If you do not recognize the numbers, please call the number on the back of your card to speak with a Wells Fargo representative.

Pricing

What is the Prime Rate?

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.