Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Brett Holzhauer, MoneyGeekThe Wells Fargo Business Platinum Credit Card benefits make it a simple, reward-earning card for small business owners. As a result, most small business owners will benefit from the 1.5% cash back option and appreciate its straightforward rewards program.
- Ben Walker, FinanceBuzzThe Wells Fargo Business Platinum Card might make sense for existing Wells Fargo customers who want to keep their business within the same financial institution. It could also make sense even if you don’t currently have a Wells Fargo account because of its decent earning potential, whether you choos...
- Tricia Tetreault, Fit Small BusinessThe Wells Fargo Business Platinum Credit Card is a strong choice for business owners who want flexibility in their rewards program with no purchase limitations. Earning cash back or points is easy, but be sure to redeem your points right away, as they expire three years after you’ve earned them. If...
- Kat Tretina, InvestopediaWhile there are business credit cards that offer higher rewards rates, the Wells Fargo Business Platinum card offers relative simplicity, especially if you opt for its cash-back rewards option. And the nine-month 0% APR introductory offer on both purchases and balance transfers could offer a helpful...
- Dawn Papandrea, The BalanceHas no annual fee and offers cardholders a choice between earning flat-rate cash back or earning points in a rewards program that offers several redemption options. It’s a solid card for managing basic business expenses while earning a few rewards along the way—just don’t expect big benefits.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
15.99% ‐ 25.99% (Variable) (0% for the first 9 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
Balance Transfers Not Allowed |
| Cash Advance Interest Rate |
28.74% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee | |
| Cash Advance Fee | |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee | |
| Promotions | |
| Sign up bonus |
$300 after spending $3,000 - On purchases within the first 3 months. - Or 30,000 bonus points after spending $3,000 on purchases within the first 3 months. |
| Rewards | |
| All Purchases | No |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
Choose your rewards program between cash back and reward points. Cash back - Earn 1.5% for every $1 spent Reward points - Earn 1 point for every $1 spent - Receive 1,000 bonus points when your company spend reaches $1,000 in any monthly billing period. - Get a 10% bonus when you redeem points online. - Earn extra bonus points or discounts from Earn More Mall retailers |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | Yes |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | No |
| Virtual Cards | No |
| Additional Benefits |
Overdraft Protection |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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