Wells Fargo Business Rewards Program Terms and Conditions

Effective Date: March 17, 2026

Contracting With Us

Welcome to the Wells Fargo Business Rewards Program ("Program"). In this document, You will find the following terms:

• "You," "Your," or "Customer" means each person who owns a Wells Fargo rewards-based Business Credit Card or Business Lines of Credit with an access card, and participates in its Wells Fargo Business Rewards Program ("Program"), according to our records.
• "Wells Fargo," "We," "Us," or "Our" mean Wells Fargo Bank, N.A.

This Program is only available to Wells Fargo Signify Business Cash^® Credit Card, Wells Fargo Signify Business Essential^® Credit Card, Wells Fargo Signify Business Elite^® Credit Card, Wells Fargo BusinessLine^® line of credit and Wells Fargo Small Business Advantage^® line of credit. Accounts that participate in other Wells Fargo Rewards^® programs are not eligible, except with respect to linked combined Rewards redemptions. The Program may encompass multiple product(s), or promotion(s), or offer(s).

Additional Defined Terms

*You acknowledge that You need to protect the username and password You create in Online Banking or Wells Fargo Vantage^℠. Wells Fargo will not be responsible for unauthorized redemptions by an employee or ex-employee or unauthorized user.

Terms and Conditions

1. Your Relationship to This Program

The Program Terms and Conditions represent the Program’s complete terms (collectively "Terms"), including any additional terms and conditions that We reference within these Terms and any promotional terms and conditions for earning bonus Rewards.

2. Program Participation

This Program is not available for products, promotions, or offers unless specifically allowed.

By participating in this Program, You:

• Agree to these Terms
• Acknowledge that You must also consent to certain agreements for online use of Your account

3. Property Rights

All Rewards are the property of Wells Fargo, including but not limited to, Rewards You forfeit from the following:

• Closing Your Credit Card or Line of Credit (either by You or Wells Fargo)
• Canceling Your Business Rewards Account
• Canceling the Business Rewards Program
• Letting Rewards expire
• Violating these Terms or Your Credit Card account terms and conditions

NOTICE TO NEW YORK ACCOUNT HOLDERS: Effective December 10, 2023, if the Business Rewards Account, or the Business Credit Card, BusinessLine or Small Business Advantage Line of Credit tied to Your Rewards Account is closed for any reason (except for fraud or misuse), We will issue a check for the cash equivalent value of any available Rewards balance in Your Rewards Account. The check will be made payable to the Business and Rewards Account owner and sent to the address on file for Your account.

 

In addition, You cannot:

• Pledge, sell, assign, or transfer Rewards to any third party except in the ways these Terms explain
• Transfer these Rewards by operation of law, such as by inheritance, in bankruptcy, or when spouses or domestic partners divide their property

Rewards only have cash value when they are redeemed.

4. Changes to Terms or Program

We can change the Terms and change, suspend, or terminate any part of the Program at any time and for any reason. These changes may:

• Prevent You from earning and/or using Rewards
• Decrease Rewards value
• Cause You to lose Rewards

We will notify You in advance in writing when We make material changes to Your Terms or Program.

5. Program Suspension and Disqualification

At any point, We can suspend or disqualify You from the Program. If We do, then the following Terms apply:

a. If We Cancel Your Business Rewards Account

We can immediately suspend or disqualify You from the Program, in whole or in part, at any time and for any reason. If You take any of the following actions (or another similar action), We will suspend or disqualify You from the Program:

• Violate these Terms, Your Business Credit Card or Line of Credit terms and conditions
• Engage in fraud or suspected fraud, or someone associated with Your account does so
• Misuse or gaming the Program, according to Us in Our sole discretion

Misuse or gaming includes, but is not limited to:

• Obtaining or using an account to maximize Rewards earned and redeemed in a manner that is not consistent with typical customer activity; and/or
• Multiple Credit Card account applications and openings

If We suspend or cancel Your Program, this action may:

• Prevent You from earning and/or using Rewards
• Decrease Rewards value
• Cause You to lose Rewards
• Require Us to close Your Credit Card

NOTICE TO NEW YORK ACCOUNT HOLDERS: Effective December 10, 2023, if the Business Rewards Account, or the Business Credit Card, BusinessLine or Small Business Advantage Line of Credit tied to Your Rewards Account is closed for any reason (except for fraud or misuse), We will issue a check for the cash equivalent value of any available Rewards balance in Your Rewards Account. The check will be made payable to the Business and Rewards Account owner and sent to the address on file for Your account.

b. If We Discontinue the Entire Program

If We cancel the entire Program, We will send You advance written notice that the Program will no longer be available. You must redeem Your Rewards within three months from the date We notify You of the discontinuation. You will lose any unredeemed Rewards remaining after the three-month period.

6. Changes to Your Account Information

You must promptly notify Us if You change any of Your contact information, including Your:

• Name
• Mailing address
• Email addresses
• Phone numbers

To update Your email or mailing addresses, or to update Your phone numbers, sign on to Wells Fargo Online^®. Or You may also update any of Your contact information by visiting a Wells Fargo branch. To update Your name, You will need to take an updated photo ID and an original or a certified copy of any supporting documents (such as a marriage certificate, divorce decree, or other court orders) into a Wells Fargo branch.

How We Manage the Rewards Program

1. Who Offers This Program

Wells Fargo offers this Program along with support from various service providers (collectively Service Providers), including:

Program Service	Service Provider
General program servicing	Bridge2 Solutions, LLC
Gift card rewards	Blackhawk Network, Inc.
Program administrator	Epsilon
Travel rewards	Aspire Loyalty Travel Solutions LLC

2. Contacting You

You agree We have Your consent to:

a. Program Monitoring

We have the right to monitor all of Your activity relating to Your Program. Occasionally, We may monitor and record telephone calls with You regarding Your Program.

b. Account Communications

We and any companies working on Our behalf may contact You about Your Account by phone, text message, or email for informational or servicing purposes. If You have a joint Account, a notice to one of You will serve as a notice to both of You.

• Phone Calls/Text Messages: By providing a phone number in connection with this Account, You agree that You are authorized to provide this phone number and agree to receive account related text messages or calls from Wells Fargo. Message and data rates may apply. Message frequency varies. You agree that automated systems, including prerecorded or artificial voice may be used to contact You at phone number provided. If You provide telephone number(s) for which You are not the subscriber, You understand that You shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as a result of Us attempting to contact You at the number(s).
• Emails: We may send You email messages about Your Program to any email address You provide to Us.

Understanding Your Business Rewards Program Account, Rewards, and Your Credit Card or Line of Credit

1. How To Manage Your Business Rewards Account

You can cancel membership in the Program at any time by contacting Us at the number listed on the back of Your Credit Card, unless your account falls under the following:

• Wells Fargo BusinessLine/Wells Fargo Small Business Advantage Lines of Credit:  For accounts booked after 1/1/2017, if you wish to cancel Rewards, you will be required to close your account.
• Wells Fargo Signify Business Essential card, Wells Fargo Signify Business Elite card, and Wells Fargo Signify Business Cash: If you wish to cancel Rewards, you will be required to close Your account.

2. Rewards Balance Questions and Disputes

You will receive and can view Your Business Rewards Account balance at Wells Fargo Online and in Your Business Credit Card monthly billing statement. You also may receive it through a monthly Program email update if We have Your email address. If You have questions or disputes about any Business Rewards Account balance, please call Wells Fargo Business Rewards Customer Service at 1-800-213-3365 upon receiving the billing statement or Program update notice on which the balance in question first appears.

If We determine that We made an error when processing Your Business Rewards Account, We will adjust Your Rewards balance at our sole discretion.

3. How You Earn Rewards

Rewards accrual will begin on the date You open Your account, depending on Your credit card. No retroactive Rewards will be awarded.

If You have multiple cardholders in Your company and the company is set up with individual bill, Rewards earned from employee cards will roll up to Your account with a one-month delay in billing cycle. If Your company is set up with consolidated bill, the Rewards earned by employee cards will appear in the rewards owner’s account (consolidated bill account) without a one-month billing cycle delay.

Rewards are updated monthly at the time Your Credit Card account statement is produced. Purchases that have not yet appeared on a monthly billing statement are not eligible for Rewards redemption.

The following purchases/transactions do not earn Rewards: purchases made using a PIN, ATM transactions, overdraft protection advance, traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers; balance transfers including the use of SUPERCHECKS; disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); and gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers).

a. Base Rewards Earn:

Based on Your Credit Card Product and Rewards type, Cardholders will earn either:

• For Points Rewards Cards: One point for every $1 spent in qualifying purchases (purchases minus returns/credits) made on their Credit Card account, rounded to the nearest whole dollar for Points Rewards cards.
• For Signify Business Cash Card: Two cents ($0.02) Cash Rewards for every $1 spent in qualifying purchases (purchases minus returns/credits), made on their Credit Card account, rounded to the nearest one cent.

Your Rewards will be available for You to use within 60 days after Your purchases post to Your account.

If You return a purchase or get a credit from a disputed purchase, these situations may reduce or eliminate Rewards You have earned and may cause a negative Rewards balance. Deducted Rewards will appear in Your Rewards Account within 60 days.

b. Monthly Bonus Rewards Earn:

For Points Rewards Customers: You and eligible employee cardholders can also earn:

• Signify Business Essential Card: 1,000 bonus Points per each monthly billing cycle that the company spends at least $1,000. Bonus Points will post in the billing cycle after the $1,000 spend threshold is achieved.
• Signify Business Elite Card: 5,000 bonus Points per each monthly billing cycle that the company spends at least $10,000. Bonus Points will post in the billing cycle after the $10,000 spend threshold is achieved.
• BusinessLine/Small Business Advantage MasterCard Access Card: 1,000 bonus Points per each monthly billing cycle that the company spends at least $1,000. Bonus Points will post in the billing cycle after the $1,000 spend threshold is achieved.

c. Online Redemption Bonus:

For Points Rewards Customers: Online redemptions (made through the Business Rewards website) will receive a 10% Points credit in number of Points (10% of redemption value), which will be credited to your account the following month. The 10% Points credit is not applicable for redemptions made through the Wells Fargo Business Rewards Call Center at 1-800-213-3365.

4. Annual Rewards Cap Maximums:

There is no limit to the number of Rewards You can earn.

5. Points Expiration

For Points Rewards Customers: Points will expire sixty (60) months from the month in which they were originally earned. Ensure you redeem the Points before expiration. You can find details regarding your upcoming expiring Points at wellsfargo.com/businessrewards. Points are redeemed on a first-in, first-out basis. Expired Points will not be reinstated under any circumstances.

NOTICE TO NEW YORK ACCOUNT HOLDERS: When there are material changes to the Wells Fargo Business Rewards Program, all Rewards expiration will be paused for 90 days after the effective date of the material change. For example, when a Change In Terms occurs in January, Points set to expire on January 31st would not expire until April 30th.

6. Recurring Payments and Bill Payments:

a. If You contact a merchant directly and set up a recurring payment to charge Your Business Card directly You will earn Rewards based upon the above-stated calculation.

 

b. If You choose to use Your credit card to fund Your bill payments through the Wells Fargo Online Bill Payment service, You will not earn Rewards.

How We Manage Credit Cards and Lines of Credit

Delinquent Accounts

If Your account is delinquent, Your ability to earn and redeem Rewards will not change.
Lost or Stolen Credit Card: If Your Business Credit Card or Access Card is reported lost or stolen, Your Rewards will remain in your Rewards Account in a Rewards Held status until you receive a replacement Credit Card or Access Card.

Redeeming Rewards

1. Ways to Redeem Rewards

a. You can redeem Rewards online or by phone:

• Online: Sign on to Wells Fargo Online and select your Wells Fargo Business Rewards account.
• By Phone: Call Wells Fargo Business Rewards Customer Service at 1-800-213-3365, and follow the prompts given to You.

b. Depending upon the reward selected, You can redeem Your Business Rewards by using:

• Rewards
• Combination of Rewards and a payment card: If you use the Split Pay function to make redemptions for multiple items at the same time, the 10% online redemption bonus does not apply for the Rewards purchased by credit card. If you cancel/void a part or all of the redeemed items acquired by split pay, 10% of the returned Rewards will be decremented from your outstanding Rewards.

At any time and for any reason without notice to You, Wells Fargo and its Service Providers may change the Rewards required for redemption.

We do not guarantee that any specific reward will be available for any length of time. In addition, all Rewards redemptions are final and non-refundable, unless stated otherwise in these Terms. All rewards are subject to availability.

c. Splitting Redemptions Between Rewards and a Payment Card

Which actions You can take may depend on the type of redemption You are making.

Additional details apply:

• Travel: You can use any combination of Rewards and payment card for travel, hotels, car rentals.

d. Combining Rewards for Redemption

You can transfer Rewards from your Personal Credit rewards account or another Business Rewards Account and add it to your Business Rewards Account as long as the accounts pass the eligibility criteria when you are ready to make redemptions. You can initiate a Point transfer request on the Business Rewards website, or you can contact the Business Rewards Service Center at 1-800-213-3365 for assistance with the Rewards transfer process.

All combined-Rewards redemptions are final. However, in the rare event that a combination of Rewards balances were used for redemption and Rewards must be returned to Your account, all Rewards will be returned to the rewards account from which you redeemed the Rewards, subject to the Point expiration and other terms of that rewards program. For example, if you combined Rewards from multiple rewards accounts in order to redeem for a reward from the Wells Fargo Business Card Rewards^® program catalog, then all Rewards would be returned to the Business Card Rewards program and would be subject to the Terms of that Program.

2. Requesting Cash Redemptions

Cash redemption options include:

• A deposit or credit to a qualifying Redemption Account
• ATM (primary account owner)

We tell You the timing of when We process and post cash redemptions to Your Redemption Account’s statement when You request to redeem Your Business Rewards.

a. Qualified Redemption Accounts

Certain products or accounts may not be eligible for the cash redemption options. We consider Redemption Accounts as qualified if either:

• They appear as a cash redemption option on Wells Fargo Business Rewards website.
• They are available to You when You call Wells Fargo Business Rewards Customer Service at 1-800-213-3365.

b. Redeem to Account

When You redeem Your Business Rewards towards an eligible Wells Fargo account, We apply them to Your principal balance, but they do not count as a payment to Your Redemption Account. You still need to make any payments due on the Redemption Account.

If We cannot apply Your Business Rewards to the Redemption Account, We will notify You, and Your Business Rewards will remain in Your Business Rewards Account.

Redeem to Account can be redeemed in 1-point or $0.01 cash rewards increments.

3. Redeem for Purchases

The Redeem for Purchases option allows You to redeem available Rewards as a credit to Your eligible Wells Fargo Business Credit Card account. Wells Fargo will present the eligible transactions You can redeem Rewards for using Redeem for Purchases, and We may change which transactions are eligible at any time without notice.

The redemption will be applied as a statement credit to Your Wells Fargo Business Credit Card outstanding balance within five (5) to seven (7) business days. The statement credit does not count as a payment and You must still make any payments when due on Your Credit Card account. The Redeem for Purchases feature is only offered as an online redemption option.

A minimum of 100 Points or $1 in Cash Rewards in your Rewards Account is required and each transaction must be a minimum of $1 to be eligible for Redeem for Purchases. You must use Rewards toward the entire amount of an eligible transaction and have enough available Rewards.

All Redeem for Purchase redemptions are final and cannot be canceled or reversed. If You return an item associated with a Redeem for Purchase redemption, the statement credit will not be reversed and Your Rewards balance may be reduced or eliminated, resulting in a negative Rewards balance.

4. Redeem for Travel Rewards

You can redeem for Travel rewards, including:

• Activities
• Airline tickets
• Car rentals
• Cruises
• Custom getaways that You create into a travel package*
• Hotel room rentals
• Sporting and special events*
• Vacation packages*

* You cannot redeem for these items online. Instead, please call Wells Fargo Business Rewards Customer Service at 1-800-213-3365.

a. Travel Taxes and Fees

When using a payment card for Your Travel rewards, Your card account will include a charge for the Supplier’s taxes and fees, which include but are not limited to:

• Excise tax
• Occupancy tax
• Room tax
• Sales and use tax
• Value-added tax
• Other similar taxes

In certain locations, You also must pay any government service fees or required taxes and fees that the Supplier must collect. The amount You pay for travel-associated taxes and fees may be different than the actual payment the Supplier receives. The amount You are charged is a fee for services and covers the costs of Your reservation. The charge for taxes and fees varies based on a number of factors, including but not limited to, 1) how much payment the Supplier receives, and 2) the location of the Supplier where You will be staying. Fees also may include profit for the Supplier.

b. Who Provides Travel Services

The Program’s travel services are provided by Aspire Loyalty Travel Solutions LLC.

Seller By State	Travel Registration Numbers
California	2122200-50
Florida	39969
Iowa	1253
Washington	603-527-613

Understanding Your Rewards

1. Additional Rewards Terms and Conditions

Rewards may have additional terms and conditions including those from Our merchants. When You redeem Your Business Rewards, You will be presented with these additional terms and conditions, which You must accept to continue Your redemption. You can find terms and conditions for specific rewards on Wells Fargo Online or by calling Wells Fargo Business Rewards Customer Service at 1-800-213-3365.

2. When Rewards Are Not Available

Your Rewards may not be available for redemption if one or more of the following exist:

• The law prohibits the Rewards.
• You sold them for cash or other consideration.
• You altered, photocopied, or reproduced them.
• You misuse, abuse or game the Program.

3. Deliveries and Returns on Items You Redeem

a. Delivery Restrictions

Some rewards items have delivery restrictions. If any restrictions exist when redeeming Your rewards items, We will let You know at the time of redemption. These restrictions vary by reward, Service Provider and Supplier, and could apply when delivering items to the following locations:

• Outside the contiguous 48 United States and District of Columbia
• APO, FPO, or P.O. Boxes

To learn more, call the Wells Fargo Business Rewards Customer Service at 1-800-213-3365.

b. Credits for Returns

Sometimes, We do not allow certain returns. If You return an item for an allowable reason, We will credit Your account using the same method/payment You used in Your original transaction. We do not allow returns for convenience.

• For payment cards used on a redemption with multiple items: If You have a transaction that 1) included multiple items and 2) used a credit or debit card, We will first credit the payment card for the returned item. You will receive any remaining credits in Rewards, if applicable.

4. Rewards and Taxes

Some Rewards You receive may qualify as taxable income to You. When laws require Us to do so, We will report Your Rewards’ value as income to the Internal Revenue Service, as well as state and local tax authorities. By using this Program, You are responsible for paying any federal, state, or local taxes You owe, or other connected fees or gratuities. When You donate Your redeemed Rewards, Your gift may be tax deductible. If You have other questions about Your tax liability, please consult Your tax advisor.

Understanding Disclaimers and Limitations

1. Supplier Responsibility

Neither We nor Our Service Providers are co-vendors with any Suppliers. Further, neither We, our Service Providers, nor either parties’ Affiliates (the "Group") control Suppliers. The Group is not responsible for any loss or injury to property or persons which may be caused or contributed to by Suppliers or by any other cause, condition or event beyond the direct control of the Group. You agree to release the Group, as well as their respective officers, shareholders, assigns, directors, employees and agents from any and all liability for claims resulting from any acts or omissions of the Suppliers providing or failing to provide Services in connection with the Program.

2. No Warranty

TO THE FULLEST EXTENT ALLOWABLE BY LAW, WELLS FARGO AND ITS SERVICE PROVIDERS SPECIFICALLY DISCLAIM ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, ABOUT THE SERVICES OFFERED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE.

3. Legality of Terms and Marks

Both federal law and South Dakota laws govern these Terms and Your Program participation, no matter where You live or use the Program. If a court determines that any Terms provisions are unlawful, We will revise the provisions to be lawful; meanwhile, the rest of the Terms still stand. These Terms are void where prohibited by law. All registered marks, trademarks, and service marks belong to their respective owners.

4. Rights Waived or Delayed

We may waive or delay enforcing any of Our rights without losing them. In addition, if You have more than one owner of a particular Business Credit Card, a default by one of You is default by all of You. When this occurs, We may waive or delay enforcing a right against one of You without waiving it for all of You. Neither We nor our Service Providers are responsible for any disputes between Business Credit Cards owners or any authorized users relating to having, redeeming, or using Business Rewards.

5. Rights Assigned, Transferred, or Sold

We reserve the right to assign any rights We have in the Program to another creditor or party, which entitles them to those assigned rights. You do not have the right to assign, transfer, or sell Your Business Rewards Account.

6. Dispute Resolution Program: Arbitration Provision

Refer to the Arbitration section of Your Wells Fargo Business Credit Card Customer Agreement, Wells Fargo Business Elite^℠ Card Customer Agreement, Wells Fargo Signify Business Essential^℠ Credit Card Agreement, Wells Fargo BusinessLine^® Agreement, or Wells Fargo Small Business Advantage^® Customer Agreement.

7. Information Sharing and Your Privacy Rights applicable only to the Wells Fargo Signify Business Cash^® Card:

Wells Fargo may collaborate with certain merchants, websites, mobile applications, and/or platforms (“Participating Merchant(s)”) to offer You new ways to use Your rewards. In these cases, if You, as the Business Owner, elect to provide Your Credit Card account to a Participating Merchant, We will automatically share both Your available Rewards balance associated with Your Credit Card as well as the current cash redemption value with the Participating Merchant, where permitted by applicable
law and in accordance with the Privacy Notice provided to You relating to Your Rewards card, available at wellsfargo.com/privacy-security.
As new redemption options and features with Participating Merchants become available, You will be notified, and You will be able to make changes to Your sharing preference and limit future sharing.