Wells Fargo Business Platinum Credit Card


For People with
Good Credit

REVIEWS

Reviews

The Wells Fargo Business Platinum Credit Card is a rewards card that, unlike most other cards, provides a choice between cash back and points.

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.

The Cash Back program is simpler, and comes with a $500 cash back bonus for spending $3,000 in the first 3 months. You’ll also earn 1.5% cash back on every purchase.

The Reward Points option has a bit more to it:

  • 50,000 bonus points for spending $3,000 in the first 3 months
  • 1X point per dollar for all purchases
  • 1,000 bonus points for spending $1,000 or more in a monthly billing period
  • 10% point bonus for redeeming points online

You can enjoy a 0% introductory APR for 9 months on both purchases and balance transfers. After that you’ll get APRs of 7.99%–17.99% Variable.

You must have an existing Wells Fargo checking or savings account open for at least one year in order to apply for this card online.

Card Quick Facts

Card Quick Facts

  • Cash back option includes 1.5% cash back on every purchase and $500 cash back if you spend $3,000 in the first 3 months of account opening
  • Reward Points option includes 50,000 bonus points after spending $3,000 in the first 3 months of account opening, 1X point per dollar, 1,000 bonus points for spending $1,000 in a month, and 10% point credit for redeeming points online
  • 0% introductory APR for 9 months on both purchases and balance transfers. After that you’ll get APRs of 7.99%–17.99% Variable
  • Up to 99 employee cards at no additional cost
  • No foreign transaction fees
  • No annual fee

For People with
Good Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • Choose one:
    • Cash Back Option: 1.5% cash back for every purchase
    • Reward Points Option: 1X point per dollar for every purchase, and 1,000 bonus points for spending $1,000 in a monthly billing period

Introductory Bonus

  • $500 cash back or 50,000 bonus points when you enroll in a Business Card Rewards Program and spend $3,000 in the first 3 months

Redemption Bonus

  • 10% point bonus when redeeming online (Rewards Points option only)
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee $0
Regular Purchase APR 7.99%–17.99% Variable
Intro Purchase APR 0% for 9 months
Foreign Transaction Fee None
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $50
Returned Payment Fee $29
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 9 months
Regular Balance Transfer APR 7.99%–17.99% Variable
Balance Transfer Fee 4%, $10 minimum
Cash Advances

Cash Advances

Cash Advance APR 24.70% Variable
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Wells Fargo Business Online

    Monitor account activity, make payments, and transfer money.

  • Business Spending Report

    Organize transactions into spending categories.

  • Card Design Studio

    Design your own card.

  • 10% Bonus Points

    When you shop online or in person at the Earn More Mall.

  • Zero Fraud Liability

    You won’t be held responsible for unauthorized charges (contact customer support immediately if you suspect fraud).

  • Overdraft Protection

    Link your card to your Wells Fargo business checking account to avoid overdraft fees.

  • Fraud Monitoring

    Fraud monitoring keeps watch over your business accounts.

  • Purchase Assurance

    Eligible purchases are covered against theft.

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