Wells Fargo Signify Business Cash Card review

Signify Business Cash is the simplest card on this list. Wells Fargo pays unlimited 2% cash rewards on business purchases with no caps or spending categories, and the annual fee is $0. That combination is rare: Capital One charges a $150 annual fee for its 2% Spark Cash Plus, and the no-fee cards from Chase and Capital One pay 1.5% flat. Signify also adds a 0% intro APR on purchases for 12 months from account opening, after which the variable APR is 16.99% to 24.99%. New cardholders can earn a $500 cash rewards bonus after spending $5,000 in the first 3 months, and employee cards come at no additional cost with spending limits you set. What the card does not do is reward travel or let you move rewards into airline or hotel programs. For a business whose spend is spread across many vendors with no big category, it is the easiest way to get 2% back without paying a fee.

Who it is for

owners who want 2% back on everything with no annual fee

Price

$0 annual fee.

There is a $0 annual fee for the Signify Business Cash ® Card by Wells Fargo.
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Unlimited 2% cash rewards on business purchases with no caps or spending categories
• $500 cash rewards bonus after $5,000 in purchases in the first 3 months
• 0% intro APR on purchases for 12 months from account opening
• Employee cards at no additional cost with spending controls
• Rewards can be redeemed as a statement credit to an eligible account

Strengths and weaknesses

• Strength: 2% on every purchase with a $0 annual fee
• Strength: No categories or caps to track
• Strength: 0% intro APR on purchases for 12 months from account opening
• Weakness: Welcome bonus of $500 is lower than the $750 offers from Chase, Capital One and U.S. Bank
• Weakness: No points transfer or travel multipliers
• Weakness: Variable APR of 16.99% to 24.99% after the intro period

Key facts

• Annual fee: $0
• Rewards: Unlimited 2% cash rewards
• Welcome offer: $500 after $5,000 in 3 months
• Intro APR: 0% on purchases for 12 months

Where it ranks

Wells Fargo Signify Business Cash Card is No. 2 in our Best Business Credit Cards verdict.