The Wells Fargo Business Platinum is a business credit card from Wells Fargo Business Platinum. Application typically pulls a hard report from Experian. The annual fee is $0. Approval typically requires a credit score of 700+ or higher. 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.. No longer accepting new applications as of 2025. 0% intro APR for 9 months on purchases and balance transfers.