Wells Fargo Signify Business Cash Card
By Alex Compton · Last verified
Unlimited 2% for your business with zero fee and zero homework.
Welcome Bonus
$500
≈$500 value
Spend Requirement
$5,000
in 3 months
Annual Fee
$0
3% FTF
Credit Score
700+
(Good-Excellent)
Current offer note: $500 cash rewards; public offer confirmed unchanged
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-11-09 | $500 | $5,000 in 3 mo | Terms reconfirmedFreshness-rotation reconfirmation: LendingTree, CNBC Select and Business Initiative (program terms dated June 26, 2026) still agree on $500 cash rewards after $5,000 in purchases in 3 months, $0 annual fee, uncapped 2%. No change. The bank's own domain is blocked in this sandbox. | Archive record · no attached snapshot |
| 2026-10-12 | $500 | $5,000 in 3 mo | Terms reconfirmed$500 cash rewards; public offer confirmed unchanged | Wells Fargo Signify Business Cash product page → |
| 2026-06 | $500 | $5,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2023-10 | $500 | $5,000 in 3 mo | Earliest recordLaunch offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
$500 after $5k in 3 months and unlimited 2% confirmed; terms show 3% foreign transaction fee
Fields: foreignTransactionFee, applyUrl, benefits
Wells Fargo Signify Business Cash product page →
Source checked 2026-11-09 · spot an outdated offer? Report a correction above.
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Earning Rates
- 2xAll purchases, unlimited
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦0% intro APR on purchases for 12 months
- ✦Free employee cards
- ✦Priority Pass membership with pay-per-visit lounge fees
- ✦Redeem to a Wells Fargo account or as statement credit
Why it earns its spot
- +Uncapped 2% with no annual fee beats most business flat rate rivals
- +$500 bonus on reachable spend
Where it costs you
- −No bonus categories to stack
- −Cash rewards ecosystem is thin next to Chase or Amex points
- −3% foreign transaction fee
The Compound Verdict
The business version of simple done right. Unlimited 2%, a $500 bonus and no annual fee make this the default card for businesses that refuse to play the category game. If you want transferable points it is not for you, but as a domestic cash workhorse it is hard to fault. Leave it home when you travel abroad, because it carries a 3% foreign transaction fee.
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