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Wells Fargo Business Platinum review

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Advertiser Disclosure

Interest Rate: Purchases
11.24% ‐ 21.24% (Variable) (0% for the first 9 months)
Balance Transfer
Signup Bonus
$300 after spending $3,000

Informr score
The Wells Fargo Business Platinum currently has an Informr score of 7.8 out of 10. This score is based on our evaluation of 3 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Wells Fargo Business Platinum is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


While 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...

- Kat Tretina, Investopedia

The Wells Fargo Business Platinum card offers business owners a reasonable interest rate and the unusual option of choosing between points or cash back rewards, with a high rewards rate on cash back.

- Andy Shuman,

Business owners who like Wells Fargo will enjoy the Wells Fargo Business Platinum credit card’s straightforward cash rewards rate and lack of an annual fee and foreign transaction fee.

- J.R. Duren, HighYa


Interest Rates
Regular APR Interest Rate 11.24% ‐ 21.24% (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 23.99% (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
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.

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

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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