The Wells Fargo is a business credit card from Wells Fargo. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.74% – 24.74% after a 0% introductory rate for 12 months. Approval typically requires a credit score of 700 or higher. Signup bonus: $500 CASH REWARDS BONUS when you spend $5,000 in purchases for your business in the first 3 months.. Rewards: 2% UNLIMITED Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.. Cash back: 2% UNLIMITED on purchases for your business. Typical credit limit: $5,000 - $50,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Wells Fargo enforces a 6-month rule (no new Wells Fargo card approvals within 6 months of your last Wells Fargo card opening). Wells Fargo pulls Experian as the primary bureau in most states.. EXPERT REFERENCE (Aug 2025): 0% for 12 months | EXPERT REFERENCE (Aug 2025): $25K–$60K approvals possible after 60-day account seasoning | EXPERT REFERENCE (Apr 2025): Approved for $25,000 Business Line of Credit with no documents, no tax returns, and no income verification required. | EXPERT REFERENCE (Apr 2025): Experian credit report was used for approval. | EXPERT REFERENCE (Apr 2025): Offer allowed for a request up to $100,000, but $25,000 was requested and approved.