Wells Fargo
Signify Business Cash
Estimated value every year on typical spending
$624/ year
Every year, after the annual fee. Year one adds a $500 welcome bonus: $1,124
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: lounge (not counted)
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Wells Fargo Signify Business Cash can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $624 a year on typical spending. The welcome bonus adds roughly $500 in the first year.
The fine print
- Intro APR
- 0% for the first 12 months
- Regular APR
- 16.99% to 24.99% variable
- Foreign fee
- Not specified
- Top perk
- 1,300 participating airport lounges worldwide
- Approval
- Good credit recommended
- Redeem for
- Statement credit · Direct deposit · Gift cards
Rewards
- 2% cash rewards on purchases for your business – without caps or spending categories
Sign-up bonus
$500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
Best for
- Business spending
- Simple flat-rate cash back
- Keeping costs at $0
Not ideal for
- Frequent international travelers
Trade-offs: Large welcome bonus ↔ higher spend requirement.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 12 months
- Regular APR
- 16.99% to 24.99% variable
- $1200/mo on everyday spending earns about $288/year (2%).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Signify Business Cash: questions people ask
Is the Wells Fargo Signify Business Cash worth it?
With no annual fee, the Wells Fargo Signify Business Cash can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $624 a year on typical spending. The welcome bonus adds roughly $500 in the first year.
What is the Wells Fargo Signify Business Cash annual fee?
The Wells Fargo Signify Business Cash has no annual fee ($0).
What is the Wells Fargo Signify Business Cash welcome bonus?
Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months. We value it at about $500. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Wells Fargo Signify Business Cash earn?
2% cash rewards on purchases for your business – without caps or spending categories.
What credit score do you need for the Wells Fargo Signify Business Cash?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Wells Fargo Signify Business Cash charge foreign transaction fees?
The issuer's page doesn't say. Check before using it abroad.
Does the Wells Fargo Signify Business Cash have a 0% intro APR?
0% for the first 12 months. After that the regular APR is 16.99% to 24.99% variable.
Compare Signify Business Cash
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Wells Fargo product page. Terms change often; confirm them with the issuer before you apply.