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Wells Fargo Business Platinum review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
14.99% ‐ 24.99% (Variable) (0% for the first 9 months)
Interest Rate: Purchases
14.99% ‐ 24.99% (Variable) (0% for the first 9 months)
Balance Transfer
Balance Transfer
Signup Bonus
$300 after spending $3,000
Signup Bonus
$300 after spending $3,000

Informr score
The Wells Fargo Business Platinum currently has an Informr score of 7.9 out of 10. This score is based on our evaluation of 6 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...


The 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...

- Ben Walker, FinanceBuzz
Fit Small Business
Fit Small Business

The 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...

- Tricia Tetreault, Fit Small Business

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 Balance
The Balance

Has 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.

- Dawn Papandrea, The Balance

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,


Interest Rates
Regular APR Interest Rate 14.99% ‐ 24.99% (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 27.74% (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
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 -
Terms & Conditions Official Terms & Conditions
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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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