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Card reviewWells Fargo
Updated Apr 16, 2026 · research
Signify Business Cash® Card
Wells FargoSignify Business Cash RewardsEditorially reviewed

Signify Business Cash® Card

Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.

Entry LevelBusiness
Mastercard
$0
Annual fee
2% back business_purchases
Top rate
N/A
Foreign fee
N/A
Rating

Current Welcome Offer

500 cashback

$500 estimated value

Spend $5,000 in 90 days

Verifiedproduct page
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Card Offers

public

500 cashback

Verified

$500 estimated value

Spend $5,000 in 90 days

product page

Earning Rates

business_purchases
2%cash back

Unlimited on purchases for your business, no caps or categories

Pros & Cons

Pros

  • No annual fee
  • Unlimited 2% cash rewards on business purchases without caps or categories
  • 0% intro APR on purchases for 12 months
  • $500 cash bonus after $5,000 spend in three months
  • Rewards do not expire

Cons

  • Rewards limited to business purchases
  • No introductory APR on balance transfers
  • Ongoing APR up to 24.74%
  • Priority Pass requires pay-as-you-go for visits
  • Some benefits like ID Theft Protection require enrollment

Key Takeaways

  • Unlimited 2% cash rewards on all business purchases, no caps.
  • $0 annual fee with 0% intro APR on purchases for 12 months.
  • $500 bonus after $5,000 spend in first 90 days.
  • Rewards never expire while account is open.
  • Includes Priority Pass membership and travel accident insurance.

Fees

Fee TypeAmount
Annual Fee$0

APR Information

Purchase APR
16.74% - 24.74%0% intro APR for 12 months
Balance Transfer APR
16.74% - 24.74%

APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.

Card Benefits

5 benefits

Travel Insurance

Travel Access & Perks

Purchase Protection

Statement Credits

Other Insurance

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

Priority Pass Membership

Offers complimentary access to over 1,300 airport lounges worldwide, with pay-as-you-go visit fees, which is uncommon for no-fee business cash cards.

Rewards Do Not Expire

Cash rewards remain available indefinitely as long as the account stays open, providing long-term value.

Mastercard ID Theft Protection

Provides 24/7 identity theft monitoring, alerts, and resolution support upon enrollment.

Frequently Asked Questions

What is the annual fee for the Signify Business Cash Card?
The card has no annual fee. Rewards do not expire as long as the account remains open.
What rewards does the Signify Business Cash Card earn?
It earns unlimited 2% cash rewards on purchases for your business with no caps or spending categories. Rewards do not expire as long as your account is open.
What is the sign-up bonus?
Cardholders earn a $500 cash rewards bonus after spending $5,000 in the first three months from account opening.
What are the APR details?
There is a 0% introductory APR on purchases for 12 months from account opening. After that, the variable APR ranges from 16.74% to 24.74%.
What benefits does the card offer?
Benefits include Zero Liability Protection for unauthorized transactions, Mastercard ID Theft Protection with enrollment, Priority Pass membership for over 1,300 airport lounges with pay-as-you-go fees, and up to $250,000 travel accident insurance when the ticket is charged to the card. Employee cards are also available.
Do rewards expire?
Cash rewards do not expire as long as your account remains open.
What is the Priority Pass benefit?
The card provides complimentary Priority Pass membership with access to more than 1,300 participating airport lounges worldwide. Lounge visits are pay as you go.

About This Card

This card suits small business owners seeking simple, uncapped cash rewards on business expenses without an annual fee or category restrictions. It fits those who value an introductory purchase APR and basic protections.

The deliberately simple business credit card. $0 annual fee. 0% intro APR for 12 months from account opening, then variable APR 16.74%– 24.74%. Earn a $500 cash rewards bonus after spending $5,000 in the first 3 months. Features include employee cards, Zero Liability Protection, Mastercard ID Theft Protection™, Priority Pass™ membership, and Worldwide Automatic Common Carrier Travel Accident Insurance up to $250,000.

It differentiates in the entry-level business cash card tier with uncapped 2% rewards on business spending, no annual fee, and a 12-month 0% intro APR on purchases.

Ready to Decide?

Apply for the Signify Business Cash® Card

500 cashback, worth about $500 estimated value, with no annual fee.

Spend $5,000 in 90 days

Apply NowCompare Cards

Reward Program

Signify Business Cash Rewards

Earns Cash Back

Learn more

Card Categories

BusinessCashback

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them through editorial review.

Last updated:

Editorial Review

Pending editorial review.

Data Quality
  • 5 of 5 benefits rated high confidence
  • 1 of 1 offer verified
Learn More

Read our full methodology for how we collect, verify, and rate credit cards.

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