Finally You Can Apply For The 0 APR Wells Fargo Signify Business Cash® Card Online

Last updated: January 19, 2026

Signify Business Cash® Card by Wells Fargo

Quick snapshot:

Here’s the highlights of this card:

• True catch-all earning: unlimited 2% back with no caps or category tracking.
• No-fee business card: bonus + 0% intro APR + useful controls, and now you can apply online.

Welcome Offer:

• $500 cash rewards bonus after $5,000 in qualifying purchases post in the first 3 months.
• 0% intro APR for 12 months on purchases.

Apply (online):

https://apply.wellsfargo.com/getting_started?FPID=7086BAI6000000&applicationtype=businesscreditcard&cx_nm=CXNAME_CSMPD&product_code=BD&sub_channel=WEB&subproduct_code=BCMC&vendor_code=WF

Annual Fee:

• $0

Card Rewards:

Earn 2% cash rewards on qualifying purchases.

Top uses:

• Statement credit to an eligible account (rewards do not expire while the account is open).
• Travel and gift cards through Wells Fargo Business Rewards.

Transfer partners:

• None.

Premium Benefits:

Business controls:

• Employee cards at no additional cost.
• Employee spending limits, monitoring, and management online or in the mobile app.
• Customizable, instant alerts.

Security and support:

• Zero Liability Protection for promptly reported unauthorized transactions.
• Mastercard ID Theft Protection (enrollment required).
• Mastercard Business Assistant (24/7 support).

Travel perks:

• Priority Pass membership with pay-as-you-go lounge visit fees.
• Travel Accident Insurance up to $250,000 on eligible common-carrier travel paid with the card.
• MasterRental Insurance Coverage for eligible rentals paid with the card.

Qualifications:

Max cards allowed from issuer (this product):

• One Signify Business Cash account per company.

Eligibility if you have other Wells Fargo business cards:

• Existing Signify Business Essential/Elite cardholders can also hold Signify Business Cash (if you already have those cards).
• No product switch for this card. You must apply.

Impact of credit inquiries (last 12 months):

• Wells Fargo pulls a consumer credit report on the guarantor and may review business reporting data.
• Wells Fargo can pull Experian, Equifax, or TransUnion. Experian is commonly pulled, but it varies by state.
• Wells Fargo is inquiry-sensitive. Fewer recent hard inquiries generally improves odds.

Recommended credit score:

• Good to excellent credit. Many reviewers suggest 700+ as a practical target.

How to maximize approval odds:

• Unfreeze all three bureaus before applying (do not assume they will only pull one).
• Keep recent inquiries low, especially on Experian if it is commonly used in your state.
• If you are not already a Wells Fargo customer, a basic banking relationship can help. Some applicants report smoother approvals after 60+ days.
• Have your business details ready: legal name, address, EIN (if available), and 25%+ owner info.

Foreign Transaction Fees:

• 3% of each transaction converted to U.S. dollars.

Quick Comparisons (catch-all business cards):

Wells Fargo business card lineup (application status):

Application Status Numbers and Links:

Check application status online:

https://icomplete.wellsfargo.com/oas/status/auth

Status / application line (phone):

• 1-800-967-9521
• 1-877-514-3717

Reconsideration (if denied):

• 1-866-412-5956

Business Rewards help:

• 1-800-213-3365