Wells Fargo Signify Business Cash℠ Card
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reward
2% cash back on all purchases
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welcome bonus
Earn a $500 cash rewards bonus after you spend $5,000 in your first 3 months.
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Annual fee
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Intro APR
0% on purchases for the first 12 months
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normal annual interest rate
18.49% – 26.49% variation
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Balance transfer fee
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foreign transaction fees
- There is no annual fee
- solid welcome offer
- Excellent cashback rate
- Lounge access requires a fee per visit
- International transactions are subject to a 3% fee
See more
Information about Wells Fargo's Signify Business Cash℠ card is collected independently by Select and is not reviewed or provided by the card issuer prior to issuance.
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The Wells Fargo Signify Business Cash Card stands out in the business cashback card space by offering unlimited cash rewards without charging an annual fee. Save even more if you also have a personal Wells Fargo credit card that gives you access to new Wells Fargo travel partners like the no-annual-fee Wells Fargo Autograph℠ Card (see rates and fees) and Wells Fargo Autograph Journey. is. ℠ Visa® Card.
Wells Fargo confirmed to CNBC Select that Signify Business Cash cardholders can combine cash rewards with eligible Wells Fargo consumer cards to take advantage of consumer card redemption options. When you use this strategy to transfer rewards to Wells Fargo travel partners, you can significantly increase the value you receive. For example, transferring 34,000 points to Iberia is enough to book a one-way off-peak business class ticket from several U.S. cities (Boston, New York, etc.) to Spain. Air tickets typically cost several thousand dollars.
When you consider that if you redeem those 34,000 points for cash, you'll only get $340, which shows how much more value you can get by transferring to a travel partner. Other transfer options include Choice Hotels, Air France/KLM, British Airways, Avianca, and Aer Lingus.
New Signify Business Cash Cardmembers receive 0% APR on purchases for 12 months from account opening, then a variable APR of 18.49% to 26.49%. You can also sign up for a Priority Pass membership to access airport lounges, but it's not free and costs a fee per visit.
Overall, the Signify Business Cash Card compares favorably to similar business credit cards that allow you to earn cash back. The American Express Blue Business Cash™ Card earns 2% cash back on up to $50,000 annually (1% back thereafter). Its welcome offer is a $500 statement credit that he can earn if he makes $8,000 in purchases with the card within the first three months after account opening. The Wells Fargo Signify Business Cash card earns you an unlimited 2% cash benefit, and its bonus is worth the same as the Blue Business Cash (although the Wells Fargo card has smaller requirements).
American Express Blue Business Cash™ Card
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reward
Earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% cash back earned automatically added to your statement
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welcome bonus
Earn a $250 statement credit after you spend $3,000 in purchases on your card in the first three months.
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Annual fee
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Intro APR
0% on purchases for 12 months from account opening date
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normal annual interest rate
18.49% – 26.49% variable. APR does not exceed 29.99%
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Balance transfer fee
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foreign transaction fees
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credit required
See rates and fees. Terms and conditions apply.
The Ink Business Unlimited® Credit Card earns 5% cash back on Lyft rides (through March 2025) and 1.5% cash back on all other purchases. This makes Signify Business Cash a better value for most spends. Ink Business Unlimited has a bigger welcome bonus, but the Signify Business Cash Card's increased cash rate will win out in the long run.
The cash back rewards you earn with Ink Business Unlimited can be transferred to any Chase credit card with points transfer, such as the Chase Sapphire Preferred® Card. Signify Business Cash offers the same method for transferring cash rewards, but Wells Fargo's travel rewards program is newer and the list of transfer partners is much less robust. If you can make the most of Chase's travel partners, you can get more value out of Ink Business Unlimited, despite the slightly lower cashback rate.
Ink Business Unlimited® Credit Card
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reward
Earn 1.5% cashback on every purchase at your business
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welcome bonus
Earn $750 in bonus cash back after you spend $6,000 on purchases within the first 3 months of account opening
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Annual fee
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Intro APR
0% on purchases for the first 12 months from account opening.Not applicable for balance transfer
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normal annual interest rate
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Balance transfer fee
$5 or 5% of each transfer amount, whichever is greater.
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foreign transaction fees
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credit required
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Wells Fargo isn't messing around with its new Signify Business Cash Credit Card, which is quickly becoming one of the best no-annual-fee business credit cards. We offer 2% cash rewards on all purchases with no limits, a valuable welcome bonus, and no annual fee. Unless your business can benefit from certain bonus spending categories or you want free access to airport lounges, you can't go wrong with choosing this card.
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Click here for Wells Fargo Autograph℠ card rates and fees. here.
Editor's note: Opinions, analyses, reviews, or recommendations expressed in this article are solely those of Select editorial staff and have not been reviewed, approved, or otherwise endorsed by any third party.