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Wells Fargo Business Elite Signature Card

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Designed for businesses with annual sales exceeding $1 million, this card offers your choice of a rewards program and tools to help manage and control employee spending. You can get up to 200 employee cards for no additional fee, and monthly rewards when your company spends at least $10,000 in a  billing period.

Our rating
Min. credit level: Good
Annual Fee: $125, $0 first year
Regular APR: Prime + 3.99% Variable

Wells Fargo Business Elite Signature Card

Our rating
Good Min. credit level
$125, $0 first year Annual Fee
Apply Now

Highlights & Features


  • Choose one:
    • Cash Back option: 1.5% cash back for every purchase
    • Reward Points option: 1X point per dollar for every purchase, and 5,000 bonus points for spending $10,000 in a monthly billing period
Introductory Bonus
  • (Must enroll) 100,000 points for spending $25,000 in the first 3 months OR $1,000 for spending $25,000 in the first 3 months


This offer is not available to you if the business already has a Wells Fargo business credit card or has had a Wells Fargo business credit card opened or closed in the immediately preceding 12 months.

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR See Terms
Balance Transfer Fee See Terms
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee See Terms
Returned Payment Fee See Terms
Additional Cards Annual Fee $0
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR Prime + 20.74% Variable
Cash Advance Fee See Terms
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Concierge Service
  • Zero Liability on Unauthorized Charges
  • Discount Portal
  • Purchase Protection
  • Extended Warranty Protection
  • No Foreign Transaction Fee
  • Auto Rental Insurance
  • Emergency Travel Assistance
  • Trip Delay Reimbursement
  • Lost Luggage Reimbursement
  • Travel Accident Insurance
Wells Fargo Business Elite Signature Card


  • Choose from points or cash back: earn 1X point per dollar spent on all purchases OR earn 1.5% cash back spent on all purchases
  • (Must enroll) 100,000 points for spending $25,000 in the first 3 months OR $1,000 for spending $25,000 in the first 3 months
  • 10% point credit bonus when you redeem points online
  • $100 incidental travel fee reimbursement credit per year
  • Visa Signature Concierge
  • Visa Signature Luxury Hotel Collection
  • Use the Card Design Studio to brand your card with your business
  • $0 additional card fee
  • Annual fee of $125, $0 first year

Wells Fargo

Wells Fargo has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-231-5511 or

Try a different phone number
See all Issuer Cards

The Wells Fargo Business Elite Signature Card provides businesses with a way to manage employee expenses.

You can choose from two rewards programs, and you’ll need to manually enroll in either the Cash Back or Reward Points option before you can start earning rewards. There’s no fee to enroll, and you can change your choice later on.

The Cash Back program is simpler, and comes with a $1,000 cash back bonus for spending $25,000 in the first three months. Additionally, you’ll earn 1.5% cash back on every purchase.

The Reward Points program is a bit more involved:

  • 100,000 bonus points for spending $25,000 in the first three months
  • 1X point per dollar for all purchases
  • 5,000 bonus points for spending $10,000 or more in a monthly billing period
  • 10% point bonus for redeeming points online

This card also comes with some handy benefits to maximize your earning potential, such as discounts and extra point offers from the Earn More Mall, and a $100 travel incidental fee reimbursement per calendar year.

You can take advantage of the Visa Signature Concierge, along with the Visa Signature Luxury Hotel Collection and all the amenities and travel discounts it offers.

This card comes with an annual fee of $125, $0 first year.

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