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Introductory Bonus |
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Signup bonuses are not available if your business already has a Wells Fargo business card, or has opened or closed a Wells Fargo business card in the preceding 12 months.
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.
Intro Balance Transfer APR | 0% for 9 months |
Regular Balance Transfer APR | See Terms |
Balance Transfer Fee | 4%, $10 minimum |
Penalty APR | See Terms |
Late Fee | Up to $50 |
Returned Payment Fee | $29 |
Additional Cards Annual Fee | $0 |
Foreign Transaction Fee | None |
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.
Cash Advance APR | 20.74% Variable |
Cash Advance Fee | 4%, $10 minimum |
Wells Fargo has several card types depending on your needs.
You can usually pay your bill online on your
Credit card issuer's websiteThe 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:
You can enjoy a 0% introductory APR for 9 months on both purchases and balance transfers. After that you’ll get APRs of Prime + 7.99% to Prime + 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.