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 16.99% to 24.99% variable, based on creditworthiness (U.S. Prime Rate + 9.99 to 17.99 percentage points; Prime 7.00% as of 10/13/2026; maximum APR 29.99%; terms accurate as of September 2026) after a 0% intro APR on purchases for 12 months from account opening introductory rate for 12 months. Approval typically requires a credit score of 700+ or higher. Signup bonus: $500 cash rewards bonus after at least $5,000 in qualifying net purchases within 3 months of account opening. Rewards: Unlimited 2% cash rewards on qualifying purchases for your business, without caps or spending categories; cash rewards do not expire while the account is open. Cash back: 2% UNLIMITED. Typical credit limit: Minimum credit limit $2,500. Loan terms: Revolving business credit card; due date at least 25 days after the close of each billing period; no interest on purchases if the entire balance is paid by the due date. 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. 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..