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Wells Fargo Signify Business Cash card
BusinessNo annual feeWhat a card charges each year to keep it open. Some cards waive it for the first year. Glossary

Wells Fargo Signify Business Cash

PerkSensei Desk · Last updated

Wallet
Sensei slides a card into a wallet

Sensei's take

Welcome bonusBonus points, miles or cash a card gives new cardholders who spend a set amount within the first few months. Glossary: $500 cash back. No annual fee, and 2% cash back on everything. Keeper card

Credits and perks

Tick perks you won't use, or type what a perk is worth to you. The math updates either way.

  1. Protection and insurance

    2 perks$0 a year

    1. Primary rental car cover (MasterRental)

      Details about Primary rental car cover (MasterRental)
      a year
      Takes some planning

      Decline the rental company's collision insurance and pay the whole rental with the card.

      Rentals of 31 days or less. Trucks, pickups and cargo vans aren't covered, and neither is liability.

      wellsfargo.com

    2. Baggage delay, up to $300 a trip

      Details about Baggage delay, up to $300 a trip
      a year
      Hard to use

      Keep receipts for essentials you buy when your checked bag is more than 4 hours late on a trip paid with the card.

      $300 per traveler per trip and $300 per card every 12 months, after anything the airline pays. Not on the way home.

      wellsfargo.com

Misc.

7 perksNot in the totals

  1. Priority Pass membership, you pay per visit

    Details about Priority Pass membership, you pay per visit
    Not counted

    The membership is free, but every lounge visit costs a fee per person (prioritypass.com/wellsfargosignify).

    wellsfargo.com

  2. 2% cash rewards on all purchases

    Not counted

  3. 0% intro APR for 12 months on purchases

    Details about 0% intro APR for 12 months on purchases
    Not counted

    Then a variable APRThe yearly interest rate on any balance you don't pay off in full by the due date. Glossary of 16.99% to 24.99%.

    creditcards.wellsfargo.com

  4. Employee cards at no extra cost

    Not counted

  5. Mastercard ID Theft Protection

    Not counted

  6. Mastercard Business Assistant

    Not counted

  7. Travel accident insurance, up to $250,000

    Details about Travel accident insurance, up to $250,000
    Not counted

    Pay for your air, bus, train or cruise fare with the card.

    Accidental death or dismemberment only, when the whole fare is on the card.

    creditcards.wellsfargo.com

Total if you use every unticked perk$0 a year

Bonus

Bonus
$500 cash bonus
To earn it
Spend $5,000 in 3 months
Annual fee
No annual fee
Credits
No statement credits
Apply by
No public end date stated

Card value

Card value

Year one
+$500
Each year after
+$0

Worth it, both years

Counts the perks you haven't skipped. ?PerkSensei estimateYear one: the sign-up bonus at its estimated value (points at the average of The Points Guy and Frequent Miler, travel cards valued for travel, cash at face, an "up to" bonus at its highest public offer), plus the yearly value of each perk you keep, minus the annual fee. Each year after leaves the bonus out. The fee is never estimated.

How we got this
Bonus, $500 ?PerkSensei estimate. Cash and statement credits count at face value.
$500
Credits you use, year one
$0
Annual fee
$0

After year oneOur estimate of a card's first year: the welcome offer's value plus the perks you'd use, minus the annual fee. Glossary: credits $0, no fee

Good time to apply?

We don't have dated past offers for this card yet, so we can't judge today's offer. Months we have no data for show as No data.

Today
$500
$5,000 spend in 3 months

Sign-up bonus dollars, last 5 years up to today

$0$1kNo dataToday $50020222023202420252026
$0$1kNo dataToday $50020222023202420252026

Spend needed to earn the bonus within 3 months of opening

$5k
$5k

$5k spend

Public sign-up offers, Nov 2021–Oct 2026
WhenBonusSpendFirst-year fee
Nov 2021–Apr 2024No data
Apr 2024–Oct 2026 (today)$500$5,000 spend in 3 months

Biggest catches

  • Gift cards don't count toward the bonus

    Prepaid gift cards, money orders and other cash-like buys don't count toward the bonus spend, and they don't earn the 2% either. wellsfargo.com

Results vary: approval and bonus eligibility are the issuer's decision.

Terms and eligibility can change. Confirm the details with the issuer before you apply.

Weighing this card? Put it before the Money Court jury

Sources

Wells Fargo Signify Business Cash Card, official product page (Oct 26, 2026)creditcards.wellsfargo.comOfficial sourceChecked Oct 26, 2026
Wells Fargo Signify Business Cash Terms and Conditions (Oct 26, 2026)wellsfargo.comOfficial sourceChecked Oct 26, 2026
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