Wells Fargo® Business Secured Credit Card

The Wells Fargo® Business Secured Visa Credit Card helps new businesses establish credit with Wells Fargo. Your credit line is equal to the amount of money you deposit. Credit limits range from $500 to $25,000.

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  • Rewards
    • Choose one:
    • Earn 1 point for every $1 spent on all purchases if you pay $50 per year, except the fire, to participate in then Wells Fargo Business Card Rewards® Program
    • Earn 1% cash back for every $1 spent on all purchases if you pay $50 per year, except the fire, to participate in then Wells Fargo Business Card Rewards® Program
  • Signup Bonus None
  • Chip Technology Chip-and-PIN
  • Foreign Transaction Fee 3%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 18.99% (Variable)
  • Cash Advance APR 23.99% (Variable)
  • Penalty APR -
  • Late Fee Up to $38
  • Returned Payment Fee Up to $38

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • 10 Cards For You & Employees
  • Wells Fargo Business Card Rewards®: Earn rewards if you want by paying $50 per year to participate, expect the first year which is $0.
  • $10 Cash Rewards Bonus: Every time you spend $1,000.
  • 10% Points Bonus: When you redeem online.
  • More Bonus Points:  When you shop online or in person at the Earn More Mall.
  • Card Design Studio®: Design your own card.

Account Management

  • Wells Fargo Business Online®: Monitor account activity, make payments, and transfer money.
  • Business Spending Report: Organize transactions into spending categories.


  • Fraud Protection: You will not be held responsible for unauthorized use of your card.
  • Overdraft Protection: Link your card to your Wells Fargo business checking account to avoid overdraft fees.


  • Purchase Protection: Purchases are covered for 90 days against theft or damage.
  • Extended Warranty Protection: Eligible warranties can be extended by up to an additional year.


  • Travel and Emergency Assistance: Provides help with emergencies, including legal and medical referrals.
  • Auto Rental Collision Damage Waiver: Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined; up to $50,000.

Mastercard Benefits

  • This card comes with Mastercard benefits. You will be provided with a list of benefits available to you once you get approved for your card.

Visitor Reviews

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The Insider

Brendan Harkness
Review of the Best Western® Rewards MasterCard®
Brendan Harkness | Oct 21, 2016

The Best Western Rewards MasterCard provides 13 points for every dollar you spend with Best Western, along with a variety of extra perks and benefits.

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Brendan Harkness
Review of the Upromise® World MasterCard®
Brendan Harkness | Sep 28, 2016

The Upromise World MasterCard offers up to 10% cash back at select retailers, and you can redeem your rewards directly to your college fund or student loan.

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Brendan Harkness
Review of the Ultamate Rewards Credit Card and Ultamate Rewards MasterCard
Brendan Harkness | Sep 22, 2016

The Ultamate Rewards Credit Card and Ultamate Rewards MasterCard both offer 2 points per dollar at Ulta, along with member-only rewards and benefits.

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