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Wells Fargo|Business
Wells Fargo Signify Business Cash
4/5
Annual Fee
$0
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Is this card worth it?
Annual fee
$0
Best for
Business
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Statement credits
1- $20Redemption options
Redemption options: redeem as a statement credit applied to your outstanding balance, as a deposit into an eligible Wells Fargo business checking or savings account, as cash at a Wells Fargo ATM in $20 increments using your Wells Fargo business debit or ATM card, toward eligible purchases (Redeem for Purchases), or for gift cards — all at 1 cent per point (a 1:1 cash redemption ratio)
Perks & memberships
6- Authorized users$0 annual fee on the primary card and $0 annual fee on each employee card (Wells Fargo does not charge an annual fee on the Signify Business Cash, making it a no-cost-of-carry card for small businesses)
- Authorized usersFree employee cards: add additional employee cards at no additional cost; rewards earned on employee cards pool into the same business cash rewards account, and the business owner can set individual spending limits on each employee card from the Wells Fargo Business Online portal
- Card networkIssued on the Mastercard World Elite Business tier, which unlocks the World Elite Mastercard for Business benefits package — a richer benefits set than the standard World Mastercard Business tier (Wells Fargo provisions Signify on World Elite by default for approved applicants)
- Card networkPurchase Assurance (World Elite Mastercard for Business benefit): coverage that protects most new retail purchases against accidental damage or theft for a limited period after purchase when the item is paid for with the Signify card; coverage limits and exclusions are documented in the Mastercard Guide to Benefits provided to cardholders
- Card networkMastercard Easy Savings for Business (World Elite Mastercard for Business benefit): automatic rebates at participating merchants in categories like fuel, lodging, dining, office supplies, and shipping when you pay with your enrolled Signify card; enrollment is free and rebates post automatically to the card statement without coupons or codes
- RedemptionWells Fargo Business Online and Wells Fargo Mobile: monitor business card activity, pay your bill, redeem cash rewards, set employee spending limits, view statements, and export transaction data through Wells Fargo's business digital banking tools at no extra cost
Travel & purchase protections
6- Cell Phone Protection (World Elite Mastercard for Business benefit): up to $600 in protection per claim against damage or theft when you pay your monthly business cellular telephone bill with your Signify Business Cash Card; subject to a $25 deductible per claim, with a maximum of two paid claims per 12-month period (per the Mastercard Guide to Benefits for World Elite Business)
- Cell Phone Protection covers the primary line and additional lines listed on your monthly business wireless bill paid with the Signify card; coverage starts the month after you first pay your wireless bill with the card and excludes loss (other than theft) and damage that is purely cosmetic
- MasterRental Insurance Coverage (Auto Rental Collision Damage Waiver via Mastercard World Elite Business): coverage when you decline the rental company's collision insurance and charge the entire rental cost to your Signify card; per Mastercard's program for World Elite Business, MasterRental can provide primary coverage for business rentals in eligible jurisdictions (verify primary vs secondary status in the current Guide to Benefits at booking)
- Mastercard ID Theft Protection (World Elite Mastercard for Business benefit): complimentary identity theft monitoring and resolution services for the business and the cardholder; includes monitoring of personal information across surface, social, and dark web sources, alerts on suspicious activity, and access to a resolution specialist if your identity is compromised (enroll at mastercardus.idprotectiononline.com)
- Zero Liability Protection: you are not liable for promptly reported unauthorized charges made with your Signify card or account information (per Wells Fargo's Zero Liability Protection terms and Mastercard's Zero Liability program for business cards)
- 24/7 fraud monitoring: Wells Fargo monitors your business account for unusual purchases and will alert you if suspected fraud is detected; cardholders can report fraud through the Wells Fargo Mobile app, Wells Fargo Business Online, or by phone
More benefits & fine print (4)ShowHide
- Cash rewards do not expire as long as your account remains open (per Wells Fargo's Business Card Rewards Program Terms); unredeemed rewards are forfeited if the account is closed
- Foreign transaction fees: 3% of each transaction converted to U.S. dollars (per Wells Fargo's Signify Business Cash terms; this makes Signify a poor choice for international business purchases compared with no-foreign-tx-fee business cards like the Capital One Spark Cash Plus or Chase Ink Business Premier)
- Mastercard Global Service: 24/7 worldwide assistance with lost or stolen card reporting, emergency card replacement, emergency cash advance, ATM locator service, and account information; call 1-800-Mastercard (1-800-627-8372) in the U.S. or call collect from outside the U.S.
- Liability: the Signify Business Cash uses business-owner personal-guarantee liability (the owner personally guarantees the account), which is standard for small-business cards at this tier; business activity may or may not report to consumer credit bureaus per Wells Fargo's reporting practices for this product
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