Wells Fargo® Business Secured Credit Card


For People with
No Credit

REVIEWS

Reviews

The Wells Fargo® Business Secured Visa Credit Card earns 1.5% cash back and helps new businesses establish credit with Wells Fargo. Your credit line is equal to the amount of money you deposit. 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

  • 10 cards for you & employees
  • Wells Fargo Business Card Rewards®: Earn rewards if you want by paying $50 per year to participate, except the first year which is $0.
  • $10 Cash Rewards Bonus: Every time you spend $1,000.
  • 10% Points Bonus: When you redeem online.
  • More Bonus Points: When you shop online or in person at the Earn More Mall.
  • Card Design Studio®: Design your own 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:
  • Earn 1 point for every $1 spent on all purchases if you pay $50 per year, except the fire, to participate in then Wells Fargo Business Card Rewards® Program
  • Earn 1% cash back for every $1 spent on all purchases if you pay $50 per year, except the fire, to participate in then Wells Fargo Business Card Rewards® Program
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.

  • Wells Fargo Business Card Rewards®

    Earn rewards if you want by paying $50 per year to participate, expect the first year which is $0.

  • 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

    Your Amazon Rewards Visa Signature Card extends the time period for the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.

  • Purchase Protection

    Purchases are covered for 90 days against theft or damage.

  • Travel and Emergency Assistance

    You may call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.) 24 hours a day, 365 days a year.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined; up to $50,000.

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