Wells Fargo

The small-business credit card Wells Fargo markets is the Signify Business Cash World Elite Mastercard, issued by Wells Fargo Bank, N.A., and its business credit card landing page redirects straight to it. It is a revolving credit card with no annual fee, free employee cards, an introductory rate on purchases from account opening, and flat cash rewards on purchases with no categories and no cap. Rewards do not expire while the account is open.

The account has an Account Guarantor: Wells Fargo obtains a consumer report on the guarantor from consumer reporting agencies, and a business report from the Small Business Financial Exchange, when it considers the application and when it reviews, renews or collects the account. The owner is therefore personally on the hook. The application asks for the owner's Social Security number or ITIN and the business's EIN if it has one, but Wells Fargo does not name which business structures can apply. A company cannot hold more than a single Signify Business Cash account, even if different owners apply, and a minimum credit limit is published. A foreign transaction fee applies.