Wells Fargo® Business Secured Credit Card


For People with
No Credit

REVIEWS

Reviews

The Wells Fargo® Business Secured Visa Credit Card offers a choice of rewards programs. You can pick either 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

This card requires a security deposit, and your credit line will be equal to the amount of money you deposit. Deposits and credit limits range from $500 to $25,000.

You can get up to 10 cards for yourself and your employees at an annual fee of $25 per card.

Card Quick Facts

Card Quick Facts

  • Up to 10 cards for you & employees
  • Your choice of a cash back rewards program or a point rewards program
  • More Bonus Points: When you shop online or in person at the Earn More Mall.
  • Card Design Studio: Design your own card.
  • $25 annual fee per card

For People with
No 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

Redemption Bonus

  • 10% point credit when redeeming points online (for the Rewards Points option only)
Card Stats

Card Stats

Annual Fee $25 per card
Additional Cards Annual Fee -
Regular Purchase APR 11.90% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-PIN
Minimum Credit Limit $500
Maximum Credit Limit $25,000
Free Credit Score Yes
Penalty APR None
Late Fee Up to $38
Returned Payment Fee Up to $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 11.90% Variable
Balance Transfer Fee 5%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 20.74% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

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

  • Mastercard Benefits

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

  • 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% More Bonus Points

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

  • 10 Cards For You & Employees

    Get up to 10 cards for you and your employees at a $25 annual fee each.

  • 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.

  • Extended Warranty Protection

    Extends the time period for the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.

  • Purchase Assurance

    Eligible purchases are covered against theft.

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