Small Business Platinum Visa Credit Card | Wells Fargo

Offer valid 10/01/2022 – 06/30/2023. For customers who select the Wells Fargo Business Card Rewards® cash back program: To earn the one-time $300 cash back bonus, a total of at least $3,000 in qualifying purchases (purchases less returns and credits, and excluding balance transfers, cash advances, and SUPERCHECKSTM transactions, or any fees or interest posted to the account) must post to your Wells Fargo business credit card account within the first 3 months after the account opening date. The $300 cash back bonus will be posted to the account 1 – 2 statements after the spend requirement is met. You must remain in the cash back program for the full duration of the introductory period (3 months) in order to receive the $300 cash back bonus. If you switch or cancel rewards programs during the introductory period, you forfeit the cash bonus. Only one cash back bonus per company. This offer is not available if the business already has a Wells Fargo business credit card or had a Wells Fargo business credit card opened or closed in the immediately preceding 12 months.

Offer valid 10/01/2022 – 06/30/2023. For customers who select the Wells Fargo Business Card Rewards® points-based rewards program: To earn the one-time 30,000 bonus points, a total of at least $3,000 in qualifying purchases (purchases less returns and credits, and excluding balance transfers, cash advances, and SUPERCHECKSTM transactions, or any fees or interest posted to the account) must post to your Wells Fargo business credit card account within the first 3 months after the account opening date. The 30,000 bonus points will be posted to the account 1 – 2 statements after the spend requirement is met. You must remain in the points program for the full duration of the introductory period (3 months) in order to receive the 30,000 bonus points. If you switch or cancel rewards programs during the introductory period, you forfeit the bonus points. Only one points bonus per company. This offer is not available if the business already has a Wells Fargo business credit card or had a Wells Fargo business credit card opened or closed in the immediately preceding 12 months.

There is no annual rewards program fee. If you select the Wells Fargo Business Card Rewards® cash back program option, you will earn 1.5% cash back for every dollar spent on qualifying purchases (purchases less returns and credits, and excluding balance transfers, cash advances, and SUPERCHECKSTM transactions, or any fees or interest posted to the account) for the life of the account. Earned cash back is credited quarterly (March, June, September, and December) to your Wells Fargo business credit card account or to an eligible business checking or savings account. The cash back earned and transferred to the primary business credit card account from employee card accounts in March, June, September, and December cycles will not be credited until the next quarterly rewards distribution cycle. There is no limit to the cash back earned. Wells Fargo reserves the right to cancel, alter, or temporarily suspend the program at any time without notice. Some restrictions may apply. Additional information about the cash back program will be mailed separately.

There is no annual rewards program fee. If you select the Wells Fargo Business Card Rewards® points program option, you will earn one point for every dollar spent on qualifying purchases (purchases less returns and credits) for the life of the account. Purchases made using a PIN, ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, wire transfers, casino gaming chips, gambling transactions of any kind, and any fees or interest posted to the account will not earn points. To earn the 1,000 bonus points each billing cycle, your total company spend must be a minimum of $1,000 in qualifying purchases. For companies with individual billing, bonus points calculation is based on owner points earned in the current statement cycle, plus employee points earned in the previous statement cycle. The bonus maximum is 1,000 points per company per month. Wells Fargo reserves the right to cancel, alter, or temporarily suspend the program at any time without notice. Some restrictions may apply. See additional information about the points program at wellsfargo.com/businessrewards.

Offer valid 10/01/2022 – 06/30/2023. Your initial rate will be a 0% fixed interest rate for the first 9 months after account opening as long as a default does not occur under the terms of your Customer Agreement. Introductory rates will not apply to balances remaining after the end of the introductory period or to cash advances, which include online and telephone transfers and SUPERCHECKSTM transactions, incurred at any time. You will be assigned a variable interest rate between Wells Fargo Prime + 7.99% and Wells Fargo Prime + 17.99%, depending on your personal and business credit evaluation. Rates are subject to change and may be higher or lower than the stated ranges. The interest rate that you are assigned applies to purchases after the expiration of the introductory period, unless a default occurs under the Customer Agreement and we elect to increase the rate, or we exercise our right to change the terms of the account. The interest rate for balance transfers and cash advances, incurred at any time will be Prime + 20.74%, unless a default occurs under the Customer Agreement and we elect to increase the rate, or we exercise our right to change the terms of the account. Prime refers to Bank’s announced Prime Rate. Bank’s announced Prime Rate is subject to change at any time. If a default occurs under the Customer Agreement, the interest rate applied to all balances may be increased by the Bank to a rate equal to Prime + 24.74%, subject to a maximum rate of 29.99%. There is a 4% ($10 minimum; $175 maximum) fee for balance transfers and cash advances, which include online and telephone transfers and SUPERCHECKSTM transactions. Generally, we will apply your Minimum Payment first to balances with lower interest rates (such as Purchases) before balances with higher interest rates (such as Cash Advances). Payments made in excess of the Minimum Payment will be applied to balances with higher interest rates first before balances with lower ones. Therefore, the benefit of an introductory offer will be reduced if the account has existing balances or additional transactions that are subject to standard interest rates. Carrying any balance, including an introductory balance, from month to month will eliminate an interest-free grace period for purchases during that month.

Flights must be redeemed through the Wells Fargo Business Rewards website or service center. Certain restrictions and limitations apply.

Sign-up may be required. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

See the Guide to Benefits for complete Terms and Conditions.

Subject to account eligibility requirements. If you choose to link your account to your Wells Fargo business checking account for Overdraft Protection, please note the following: Advances from your credit account are treated as cash advances and interest will accrue from the date each advance is made. Your credit card must be activated; if it is not activated, no money will transfer to cover the overdraft. Once your credit card has been activated, please allow up to 3 business days for your Overdraft Protection service to be fully enabled. Refer to your Customer Agreement for details about Overdraft Protection advances. For information about overdraft services, please visit www.wellsfargo.com/biz/help/faqs/overdraft-services.

The minimum credit limit for a Business Platinum credit card, provided you meet credit qualifications, is $2,500.

Terms for credit products are subject to final credit approval of the business and its owners. A physical address is required to receive a Wells Fargo business credit product. You must be an owner of this business and not already have this product.

Wells Fargo Bank, N.A. Member FDIC.

QSR-0223-00188

LRC-0522