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Card reviewWells Fargo
Updated Aug 12, 2026 · research
Wells Fargo Signify Business Cash® Card
Wells FargoWells Fargo Business Rewards®

Signify Business Cash® Card

Business cash-back card with unlimited 2% cash rewards, a $0 annual fee, 0% intro APR on purchases for 12 months, and a $500 bonus after $5,000 in purchases in the first 3 months.

Mid TierBusiness
Mastercard
$0
Annual fee
2% back qualifying business purchases
Top rate
N/A
Foreign fee
N/A
Rating

Current Welcome Offer

Earn $500

Spend $5,000 in 90 days

Verifiedissuer product page
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Card Offers

business

Earn $500

Verified

Spend $5,000 in 90 days

issuer product page

Earning Rates

Qualifying business purchases
2%cash back

Excludes cash advances and cash equivalents; balance transfers; disputes, illegal actions, and violations; fees and interest; and gambling transactions.

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

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

Card Benefits

8 benefits

Travel Insurance

Travel Access & Perks

Lifestyle Benefits

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 Wells Fargo Signify Business Cash® Card earns unlimited 2% cash rewards on qualifying purchases for a business, with no spending caps or categories. It has a $0 annual fee, a 0% introductory APR on purchases for 12 months from account opening followed by a variable 16.74% to 24.74% APR, and a $500 cash rewards bonus after $5,000 in qualifying purchases in the first 3 months.

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

Earn $500 with no annual fee.

Spend $5,000 in 90 days

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