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Best Wells Fargo Business Credit Card Alternatives of July 2024

By Rosalie Murphy
Last updated on July 11, 2024
Edited byRyan Lane
Fact checked and reviewed

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Wells Fargo's business credit card lineup continues to evolve. The bank stopped accepting new applicants for business credit cards in 2023, retiring several options. However, Wells Fargo launched its latest offering — the Signify Business Cash℠ Card — at the end of April 2024. For those who like straightforward cash-back business credit cards, the wait was potentially worth it.
The highlight of this new Wells Fargo business card is unlimited 2% cash back on all purchases. Considering the card also has no annual fee, that rate is tough to beat.
The Signify Business Cash℠ Card also includes a 12-month 0% intro APR period for purchases (after that the variable APR is 18.49% – 26.49%), as well as a competitive welcome offer: Earn $500 after spending $5,000 in purchases in the first 3 months (terms apply). It's a great combination of features.
The primary downside is that it's the only business card Wells Fargo currently offers new customers. The issuer previously had cards that let you earn bonus points, plus a secured business credit card for entrepreneurs with thin or poor personal credit (typically considered a FICO score below 630). Business owners who can't qualify for the Signify Business Cash℠ Card or want multiple business credit cards from the same issuer to maximize rewards are out of luck.
If you're looking for a complementary card — or one that offers different or better features compared to the Signify Business Cash℠ Card — consider the alternatives below.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Wells Fargo's business credit card lineup continues to evolve. The bank stopped accepting new applicants for business credit cards in 2023, retiring several options. However, Wells Fargo launched its latest offering — the Signify Business Cash℠ Card — at the end of April 2024. For those who like straightforward cash-back business credit cards, the wait was potentially worth it.
The highlight of this new Wells Fargo business card is unlimited 2% cash back on all purchases. Considering the card also has no annual fee, that rate is tough to beat.
The Signify Business Cash℠ Card also includes a 12-month 0% intro APR period for purchases (after that the variable APR is 18.49% – 26.49%), as well as a competitive welcome offer: Earn $500 after spending $5,000 in purchases in the first 3 months (terms apply). It's a great combination of features.
The primary downside is that it's the only business card Wells Fargo currently offers new customers. The issuer previously had cards that let you earn bonus points, plus a secured business credit card for entrepreneurs with thin or poor personal credit (typically considered a FICO score below 630). Business owners who can't qualify for the Signify Business Cash℠ Card or want multiple business credit cards from the same issuer to maximize rewards are out of luck.
If you're looking for a complementary card — or one that offers different or better features compared to the Signify Business Cash℠ Card — consider the alternatives below.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Here are the best Wells Fargo business credit card alternatives from our partners

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on U.S. Bank's website

Rates & Fees

4.6/5

Best for More cash back on gas

$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Bigger sign-up bonus

$0

1.5%

Cashback

$750

Apply now

on Chase's website

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5

Best for 4X points on all travel

$0 intro for the first year, then $95

1x-5x

Points

60,000

Points

Apply now

on U.S. Bank's website

Rates & Fees

Ink Business Cash® Credit Card

Apply now

on Chase's website

4.8/5

Best for Up to 5% cash back in bonus categories

$0

1%-5%

Cashback

$350

Apply now

on Chase's website

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

4.8/5

Best for Premium travel rewards

$695

1x-5x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.8/5

Best for Business owners with fair credit

$0

1.5%

N/A

Apply now

on Capital on Tap's website

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Apply now

on Bank of America's website

3.6/5

Best for Travel rewards with no annual fee

$0

1.5x

Points

30,000

Points

Apply now

on Bank of America's website

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on U.S. Bank's website

Rates & Fees

4.6/5

Best for More cash back on gas

$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Bigger sign-up bonus

$0

1.5%

Cashback

$750

Apply now

on Chase's website

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5

Best for 4X points on all travel

$0 intro for the first year, then $95

1x-5x

Points

60,000

Points

Apply now

on U.S. Bank's website

Rates & Fees

Ink Business Cash® Credit Card

Apply now

on Chase's website

4.8/5

Best for Up to 5% cash back in bonus categories

$0

1%-5%

Cashback

$350

Apply now

on Chase's website

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

4.8/5

Best for Premium travel rewards

$695

1x-5x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.8/5

Best for Business owners with fair credit

$0

1.5%

N/A

Apply now

on Capital on Tap's website

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Apply now

on Bank of America's website

3.6/5

Best for Travel rewards with no annual fee

$0

1.5x

Points

30,000

Points

Apply now

on Bank of America's website

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Our pick for

More cash back on gas

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Read Review
Apply now

on U.S. Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750

Pros

  • Bonus cash back categories
  • No annual fee
  • Intro APR period on purchases

Cons

  • Requires good/excellent credit
  • Low rate outside bonus categories

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

NerdWallet rating 

4.6/5
Apply now

on U.S. Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750

Our pick for

Bigger sign-up bonus

Ink Business Unlimited® Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750

Pros

  • No annual fee
  • Intro APR period
  • No reward caps
  • New cardholder bonus offer

Cons

  • No bonus categories

Ink Business Unlimited® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750

Our pick for

4X points on all travel

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

Read Review
Apply now

on U.S. Bank's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points

Pros

  • Bonus categories
  • Welcome offer
  • Annual fee waived for the first year

Cons

  • Requires good/excellent credit
  • No intro APR offer

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

NerdWallet rating 

5.0/5
Apply now

on U.S. Bank's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points

Our pick for

Up to 5% cash back in bonus categories

Ink Business Cash® Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350

Pros

  • No annual fee
  • Intro APR period
  • New cardholder bonus offer

Cons

  • Requires good/excellent credit
  • Low rate outside bonus categories
  • Spending caps on bonus rewards

Ink Business Cash® Credit Card

NerdWallet rating 

4.8/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350

Our pick for

Premium travel rewards

The Business Platinum Card® from American Express

Read Review
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points

Pros

  • Lounge membership
  • Transfer partners
  • Bonus categories
  • Automatic elite status
  • Premium travel protections

Cons

  • High annual fee
  • Complicated rewards
  • Requires good/excellent credit

The Business Platinum Card® from American Express

NerdWallet rating 

4.8/5
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points

Our pick for

Business owners with fair credit

Capital on Tap Business Credit Card

Read Review
Apply now

on Capital on Tap's website

Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A

Pros

  • Earn unlimited 1.5% cash back on all purchases
  • 24/7 customer service

Cons

  • Not available to sole proprietors, charities or nonprofits
  • Must enroll in automatic payments

Capital on Tap Business Credit Card

NerdWallet rating 

3.8/5
Apply now

on Capital on Tap's website

Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A

Our pick for

Travel rewards with no annual fee

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Read Review
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points

Pros

  • No annual fee
  • New cardholder bonus offer
  • No reward caps
  • No foreign transaction fees

Cons

  • Requires excellent credit

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

NerdWallet rating 

3.6/5
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points

NerdWallet’s editorial picks: Best Wells Fargo business credit card alternatives

Before applying, confirm details on the issuer's website.

Ink Business Unlimited® Credit Card

Best for: Bigger sign-up bonus
NerdWallet star rating:
5
The
Ink Business Unlimited® Credit Card
offers a sizable sign-up bonus:
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
That's more than the Signify Business Cash℠ Card (though the spend requirement is as well). The
Ink Business Unlimited® Credit Card
matches Wells Fargo for intro APR:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-24.49% Variable APR
. However, it offers a lower
1.5
% cash back rate on all purchases. Still, the higher bonus might make up for that difference depending on your spending. Learn more and apply.

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

Best for: 4X points on all travel
NerdWallet star rating:
5
Wells Fargo doesn't offer a travel business credit card. If you're on the road often, consider the
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
— it delivers impressive rewards on travel, no matter where you book it:
Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center. Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend. Earn 2X points on dining, takeout, restaurant delivery and cell service providers. Earn 1X points on all other eligible spend.
There's also a solid welcome offer and no annual fee for the first year. After that, you’ll pay $
95
. Learn more and apply.

Ink Business Cash® Credit Card

Best for: Up to 5% cash back in bonus categories
NerdWallet star rating:
4.8
Straightforward cash-back rewards like those from Wells Fargo are nice. But if you want supercharged rewards on things like office supplies and internet service, consider the
Ink Business Cash® Credit Card
. You’ll earn
1%-5%
cash back with no annual fee. Plus, you’ll get
0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-24.49% Variable APR
. Learn more and apply.

The Business Platinum Card® from American Express

Best for: Premium travel rewards
NerdWallet star rating:
4.8
True road warriors should look at
The Business Platinum Card® from American Express
. The annual fee ($
695
) is undoubtedly high. But it can be offset by its rewards:
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. Terms Apply.
Learn more and apply.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Best for: More cash back on gas
NerdWallet star rating:
4.6
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
offers solid cash-back rewards:
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases
. Plus, you'll get a competitive sign-up bonus ($
750
) and intro APR period for no annual fee. Learn more and apply.

Capital On Tap

Best for: Business owners with fair credit
NerdWallet star rating:
3.8
If you were interested in Wells Fargo’s secured business card, the
Capital on Tap Business Credit Card
may be an option. Unlike most other small-business credit cards, this card is available to business owners with fair credit — the company recommends a FICO score of 670 or higher. Capital On Tap matches the
1.5
% cash-back rate the Wells Fargo secured card had and charges no annual fee. There’s one big drawback, though: This card isn’t available to sole proprietors. You’ll need a business entity, like an LLC, to qualify. Learn more and apply.

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Best for: Travel rewards with no annual fee
NerdWallet star rating:
3.6
The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
pays solid rewards —
1.5x
points for every dollar spent, which can increase if you’re also a Bank of America business checking customer — on every purchase. You can redeem those points on a wide variety of travel needs. You’ll pay no foreign transaction fees, and there’s no annual fee. Learn more and apply.

Capital One® Spark® Classic for Business

Best for: Sole proprietors with fair credit
NerdWallet star rating: 3
The Capital One® Spark® Classic for Business is a potential alternative to the Wells Fargo Business Secured Credit Card for business owners with fair credit (typically a FICO score between 630 and 689). While the Spark Classic earns only 1% cash back, compared with the 1.5% the Wells Fargo secured card had, it does not require a security deposit. Read our review.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card

Best for: Secured business credit card
This card has not been rated by NerdWallet.
If your credit isn’t strong enough to qualify for other business credit card options, Bank of America offers a secured business credit card. After a security deposit of at least $1,000, you’ll earn 1.5% cash back on every purchase. Using your card and making on-time payments can help you build business credit over time, and you can monitor your Dun & Bradstreet business credit score within Bank of America’s dashboard.

Former Wells Fargo business credit cards

You can no longer apply for the following Wells Fargo business credit cards, but if you already have one in your wallet, you can continue using it.

Wells Fargo Business Platinum Credit Card

The
Wells Fargo Business Platinum Credit Card
had a
0% intro APR on Purchases for 9 months, and then the ongoing APR of 11.24% - 21.24% Variable APR
. Cardholders could choose their reward type — cash back or points — during signup.
Cash Back option: Earn 1.5% cash back on every $1 spent. Reward Points option: Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period.
Business owners also had access to a sign-up bonus:
Earn a one-time $300 cash back bonus or 30,000 bonus points when you select a Business Card Rewards Program and spend $3,000 in the first three months of account open date

Wells Fargo Business Elite Signature Card

The
Wells Fargo Business Elite Signature Card
was geared toward large businesses with substantial purchasing power. Business owners could get up to 200 free employee cards and assign spending controls to each card, limiting transactions by type, time or amount. Cardholders could select the rewards type that best fits their business needs: cash back or points.
Earn 1.5% cash back on every $1 spent or earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period
. The welcome offer for new customers was the following:
Earn a one-time $1,000 cash back bonus or 100,000 bonus points when you spend $25,000 in the first three months of account open date.
The annual fee was
$0 intro first year, then $125
.

Wells Fargo Business Secured Credit Card

Business owners with bad personal credit (typically considered a FICO score below 630) could build business credit and earn rewards (cash back or points) with the Wells Fargo Business Secured Credit Card. Cash Back option: Earn 1.5% cash back on every $1 spent. Reward Points option: Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period. Applicants needed to open a Wells Fargo business checking or savings account to qualify. Credit limits ranged from $500 to $25,000 and were equal to the security deposit you provided.
The information related to the Wells Fargo Signify Business Cash℠ Card, Wells Fargo Business Platinum Credit Card, Wells Fargo Business Elite Signature Card and Wells Fargo Business Secured Credit Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
To view rates and fees of The Business Platinum Card® from American Express, see this page.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Last updated on July 11, 2024

Methodology

NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn how NerdWallet rates credit cards.
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Looking to earn rewards or build your credit? We’ll help match you to the perfect business credit card based on your qualifications.

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Find a business credit card that works as hard as you do

Looking to earn rewards or build your credit? We’ll help match you to the perfect business credit card based on your qualifications.