Our Best Cash Rewards Business Credit Card
$500 cash rewards after you spend $5,000 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagewellsfargo.com
“Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.”
- Annual fee
- Issuer's pagewellsfargo.com
“$0 Annual Fee”
- Purchase APR
- Issuer's pagewellsfargo.com
“After that your variable APR will be 16.99% – 24.99%”
- Foreign transaction fee
- Issuer's pagewellsfargo.com
The source states this figure; we have no exact sentence on file yet.
We don’t earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $240 | $240 |
| Typical spender | $1,100 | $600 |
| Heavy spender | $1,820 | $1,320 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: welcome bonus needs $5,000 in 3 months.
Estimates from the published terms above, as checked Oct 10, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 100% of the 49 cards on our No annual fee list (see the list).
- Worth more to a typical spender than about 100% of the 647 cards we track.
- Lower top APR than about 80% of the 43 cards on our Cash back list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
$500 cash
After you spend $5,000 on purchases in your first 3 months.
The bonus cash rewards will show as redeemable within 60 days after they are earned. Offers may differ by marketing channel and require selecting Apply now.
- Larger than about 75% of the 36 other cash bonuses we track.
Spending it takes$1,667 a monthfor 3 months
Tracking sinceSep 29, 2026history will chart every change
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
How you earn · Wells Fargo Business Rewards
- 2%Everything else
Rates and fees
| Annual fee | Issuer's pagewellsfargo.com “$0 Annual Fee” |
|---|---|
| Purchase APR | Issuer's pagewellsfargo.com “After that your variable APR will be 16.99% – 24.99%” |
| Intro APR | Issuer's pagewellsfargo.com “0% introductory APR on purchases” |
Carrying a balance? See how long it takes to pay off
Benefits
- Complimentary Priority Pass membership access to more than 1,300 participating airport lounges worldwide; lounge visit fees apply and are charged on a pay-as-you-go basis.
- Worldwide automatic common carrier travel accident insurance protection of up to $250,000 when the airline or other common carrier ticket is purchased with the eligible card.
- MasterRental Insurance Coverage for damage to or theft of a vehicle rented using the card, subject to terms, conditions, limitations, and coverage limits.
- Employee cards are available at no additional cost.
- Employee spending limits, online and mobile-app monitoring, customizable instant alerts, recurring bill payments, digital wallet support, and Wells Fargo Mobile app account access.
- Zero Liability Protection for promptly reported unauthorized transactions, subject to conditions.
- Mastercard ID Theft Protection with identity-theft monitoring, alerts, and expert resolution 24/7/365; registration and enrollment are required.
- Mastercard Business Assistant provides business assistance 24/7, including arranging business travel or meetings and recommending restaurants or office equipment.
- Travel accident: Up to $250,000
- Rental car
Questions
- What is the annual fee?
- $0 wellsfargo.com, since Oct 2, 2026
- What is the purchase APR?
- 16.99–24.99% APR wellsfargo.com, since Oct 2, 2026
- Is there an intro APR?
- 0% for 12 months from account opening. wellsfargo.com, since Sep 29, 2026
- Is there a welcome bonus?
- $500 cash back after $5,000 in purchases in 3 months. wellsfargo.com, since Sep 29, 2026
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$10 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual feeabout the same
- Credit One Bank Omni RewardsCredit One · No annual feeabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).