Signify Business Cash Card Review (2026): Flat 2% Back and a 12-Month Intro APR

There is one rate and one rule: 2% cash rewards on all purchases, uncapped, with no spending categories. Nothing to enroll in, nothing to rotate quarterly, no merchant category code to argue about after the fact. Rewards can be redeemed by phone or online for cash, charitable donations, physical or electronic gift cards, or travel. If you apply rewards as a credit to an eligible Wells Fargo business credit product, the credit goes toward the principal balance and you still owe your regularly scheduled payment. Wells Fargo does not state on either the product page or the rewards terms whether cash rewards can be deposited directly into a Wells Fargo business checking account, so ask if that matters to how you handle rewards.

The public offer is a $500 cash rewards bonus after at least $5,000 in qualifying net purchases, meaning purchases minus returns and credits, post to the account within three months of opening. Cash advances do not count toward the requirement and may reduce the credit line available to reach it. Gambling-type transactions, including gaming chips, lottery tickets and off-track wagers, are excluded. Wells Fargo notes that offers may differ by marketing channel, so what you see by phone, email, direct mail or in a branch may not match the posted online offer. At the flat 2% rate, the qualifying spend itself also generates $100 in rewards alongside the bonus.

The benefits package is Mastercard infrastructure rather than a curated perk list, and it is worth reading precisely. Complimentary Priority Pass membership provides access to more than 1,300 participating airport lounges, but on a pay as you go basis: the membership is free, individual visits carry a per visit fee. Worldwide Automatic Common Carrier Travel Accident Insurance covers up to $250,000 when the ticket is purchased with the card, with no enrollment needed. MasterRental Insurance applies to eligible rental cars. Mastercard ID Theft Protection requires enrollment before it does anything. Mastercard Business Assistant offers 24/7 concierge-style help, and Zero Liability Protection covers unauthorized transactions. On the administrative side, you get per-employee spending limits, monitoring, customizable instant alerts and account management through the Wells Fargo mobile app. Cell phone protection is not among the benefits listed on the current product page.

With no annual fee, there is no spend level you need to reach before the card pays for itself. Purchases carry 0% for 12 months from account opening, then 16.74%–24.74% variable based on the creditworthiness of the applicant and the business. That range comes from a disclosure Wells Fargo marks accurate as of December 2025, and whether it still reflects current pricing is not something the published page confirms, so call before you plan around it. No penalty APR is disclosed. Foreign transactions cost 3% of each converted transaction, which more than erases the 2% earned on that purchase. The late payment fee is the lesser of the minimum payment or $29 for a first event, then the lesser of the minimum payment or $40 for any further event within a rolling six billing cycle window. The minimum interest charge is $1.00. Cash advances and overdraft protection advances run 29.49% variable and accrue interest from the transaction date, with a fee of $10 or 5% of the advance, whichever is greater. Purchases have a grace period of at least 25 days after the close of each billing period when you pay the full balance.

Take this card if your expenses do not cluster. An agency paying for a dozen software tools, a contractor buying materials from whoever has stock that week, a consultancy whose largest line items are flights and client dinners: none of those profiles gets much from bonus categories, and all of them get a clean 2% here. It also fits a business planning a large equipment or inventory purchase it wants to pay down over the coming year, since 12 months of 0% on purchases is a long runway for a card that costs nothing to keep afterward.

Skip it if most of your spending sits in one or two heavy categories, because a card built around those categories will beat a flat 2% on the same dollars. Skip it if the reason you are shopping is a balance you want to move, since there is no balance transfer option on this product. And skip it if a meaningful share of your purchases are billed in foreign currency, where the 3% conversion fee turns a 2% earn into a net loss on every transaction.

**Can I transfer a balance from another card to this one?**

No. The Signify disclosure contains no APR row for balance transfers and no balance transfer fee, and the only transaction fees listed are for cash advances and foreign currency conversion. Treat this as a purchase card only.

**Does the card require a personal guarantee?**

Yes. The account guarantor is liable for payment of all amounts owing on the account, including every transaction made by employee cardholders. Wells Fargo obtains a consumer report on the guarantor at application and on an ongoing basis, and business-side data flows through the Small Business Financial Exchange.

**Do employee cards cost anything?**

No fee for employee cards is disclosed, and Wells Fargo markets them as an included feature with per-card spending limits, monitoring and alerts. Remember that the guarantor remains responsible for repaying everything those cards charge.

**What happens to my rewards if I close the account?**

The terms state that cash rewards do not expire while the business credit card account is open, and they do not spell out what happens after a closure, so redeem your balance before you close. Wells Fargo also reserves the right to change, suspend or cancel any part of the rewards program at any time, including changes that decrease rewards value or cause you to lose rewards. The current program terms took effect March 31, 2026.

Simplicity is the entire pitch here, and it holds up: 2% on every dollar with no annual fee, no caps and nothing to manage means the card earns the same whether you think about it or not. The 12 months of 0% on purchases makes it a reasonable way to finance a planned expense, provided you are financing new spending rather than trying to relocate an old balance, which this card cannot do. Confirm the APR range with Wells Fargo before you apply, since the published disclosure predates the current pricing year.