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Wells Fargo Business Platinum Credit Card

Wells Fargo Business Platinum Credit Card

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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

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

Wells Fargo Business Platinum Credit Card

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Card Details

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

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

Intro Balance Transfer APR 0% for 9 months

Regular Balance Transfer APR 7.99%–17.99% Variable

Balance Transfer Fee 4%, $10 minimum

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

How balance transfers work

Cash Advances

Cash Advance APR 24.70% Variable

Cash Advance Fee -

Borrowing cash on your credit 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.

How cash advances work

Card Benefits

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

Read about this specific card’s benefits

Learn about credit card benefits

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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Wells Fargo Business Platinum Credit Card

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