All credit cards
Side-by-side
PenFed Platinum Rewards Visa Signature Card vs Wells Fargo Business Elite Signature Card
Both are well-respected travel cards. The PenFed Platinum Rewards Visa Signature Card comes from PenFed at $0/yr; the Wells Fargo Business Elite Signature Card from Wells Fargo at $125/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | PenFed Platinum Rewards Visa Signature Card | Wells Fargo Business Elite Signature Card |
|---|---|---|
| Annual fee | $0 | $125 |
| Sign-up bonus | 15,000 bonus points after $1,500 spend in 90 days | |
| Bonus value (est.) | $128 | - |
| Min spend to unlock bonus | $1,500 in 3 mo | - |
| Issuer | PenFed | Wells Fargo |
| Card category | cashback | business |
| Best earning category (Gas) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
PenFed Platinum Rewards Visa Signature Card
$0/yr · 15,000 bonus points after $1,500 spend in 90 days
Read the full review
Wells Fargo Business Elite Signature Card
$125/yr ·
Editorial take: Wells Fargo Business Elite Signature Card
Common questions
- Which card has the bigger sign-up bonus, PenFed Platinum Rewards Visa Signature Card or Wells Fargo Business Elite Signature Card?
- The PenFed Platinum Rewards Visa Signature Card has a public bonus (15,000 bonus points after $1,500 spend in 90 days, worth roughly $128), while the Wells Fargo Business Elite Signature Card doesn't advertise one right now.
- Is the PenFed Platinum Rewards Visa Signature Card's $0 annual fee worth it compared to the Wells Fargo Business Elite Signature Card?
- The PenFed Platinum Rewards Visa Signature Card has no annual fee, so the question is whether the Wells Fargo Business Elite Signature Card's $125 fee is justified by its perks. If you'll use enough of the Wells Fargo Business Elite Signature Card's benefits to clear $125 in value annually, it's worth it; otherwise stick with the PenFed Platinum Rewards Visa Signature Card.
- Can I have both the PenFed Platinum Rewards Visa Signature Card and Wells Fargo Business Elite Signature Card?
- Yes, since they're from different issuers (PenFed and Wells Fargo) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the PenFed Platinum Rewards Visa Signature Card or the Wells Fargo Business Elite Signature Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. PenFed Platinum Rewards Visa Signature Card: $1,500 spend in 3 months. Wells Fargo Business Elite Signature Card: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.