Wells Fargo Signify Business Cash® Card
Wells Fargo
No Annual Fee
Annual Fee
visaGoodbusinessno-annual-fee17 days ago
Welcome Offer
$500Spend $5,000 within 3 months
OpenCard analysis
Is the Wells Fargo Signify Business Cash Card right for you?
The Wells Fargo Signify Business Cash is a no-annual-fee business cash-back card from Wells Fargo. It earns a flat 2% on purchases. With no fee, it only needs to beat the flat rate your current card already pays.
Who it's for
- ✓ Business owners who want business spending on its own card
- ✓ Anyone who wants flat-rate rewards without paying an annual fee
- ✓ People who want one rate (2%) everywhere without tracking categories
Who should skip it
- — Applicants without a business or business income
First-year value estimate
Welcome bonus
$500
Rewards on spending
$240
Annual fee (year 1)
−$0
Year 1, before credits
$740
Year two, without the welcome bonus: about $240 before credits ($240 in rewards minus the $0 fee).
Assumptions
- $12,000 a year of purchases at 2%, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- Welcome bonus: the $500 bonus at face value ≈ $500.
- No annual fee in any year.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-02.
How it compares
American Express Blue Business Cash →
American Express, same $0 annual fee; earns 2% on everything.
Bank of America Business Advantage Unlimited Cash Rewards Mastercard →
Bank of America, same $0 annual fee; earns 1.5% on everything.
TD Business Solutions →
TD Bank, same $0 annual fee; earns 2% on everything.
Rules and gotchas
- The welcome bonus requires $5,000 in 3 months — roughly $1,667 a month. That's more than the $1,000 a month in our illustration, so the bonus assumes about $667 a month of extra spending.
Frequently asked questions
- Does the Wells Fargo Signify Business Cash have an annual fee?
- No. Our record lists a $0 annual fee for the Wells Fargo Signify Business Cash.
- What does the Wells Fargo Signify Business Cash earn?
- A flat 2% on purchases.
- Is the Wells Fargo Signify Business Cash worth it in the first year?
- Using our illustration ($12,000 of yearly spending), the first year comes out around $740 before credits, including a welcome bonus valued at $500. Year two drops to about $240 before credits.
- What credit do I need for the Wells Fargo Signify Business Cash?
- Our record lists "Good" credit as the typical target for the Wells Fargo Signify Business Cash. As a business card, the application also asks about the business. Wells Fargo makes the final decision based on its own criteria.
Earning Rates
2×All Purchases2% unlimited cash back on every purchase (no categories)
Other Benefits
Other Benefits
Employee cards at no cost
Free employee cards
0% intro APR
0% intro APR on purchases for 12 months
Insurance
Rental InsuranceSecondary
Purchase Protection
Extended Warranty
Sources
Last Updated: Oct 2, 2026