Wells Fargo
Wells Fargo Signify Business Cash
No annual fee
A no-annual-fee business card that earns a flat 2% cash rewards on every business purchase, with no caps or categories to track. Best for small businesses that want simple, predictable cash back on all their spending.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Everything else | 2x |
Bonus category rates for this card are still being added.
Benefits
Bonus Earnings
- Unlimited 2% Cash Back on All Purchases
Every business purchase earns 2% cash rewards with no spending cap and no categories to manage. Rewards don't expire as long as your account is open, and you can redeem them as a statement credit applied to your balance.
Resets: Yearly
Lounge Access
- Priority Pass Membership Access
Get complimentary Priority Pass membership, which opens the door to 1,300+ airport lounges worldwide. Present your membership at any participating lounge to enter. Each visit carries a per-visit fee charged to your card — membership itself is free, but lounge access is not.
Resets: Yearly
Rental Car
- MasterRental Insurance Coverage
Covers damage to or theft of a rental car when you pay for the rental with your Signify Business Cash Card. This applies to rentals in the U.S. and abroad, so you can decline the rental agency's collision coverage. Coverage limits and exclusions apply — review the benefit terms before renting.
Resets: Yearly
Travel Insurance
- Worldwide Automatic Common Carrier Travel Accident Insurance
Covers up to $250,000 if you suffer accidental loss of life, limb, sight, speech, or hearing while traveling on a common carrier. Pay your airline or other common carrier fare with this card to activate coverage automatically. Coverage applies to you and, in many cases, eligible family members traveling with you.
Resets: Yearly
Purchase Protection
- Mastercard ID Theft ProtectionEnrollment required
Mastercard ID Theft Protection monitors your personal information and sends alerts if suspicious activity is detected. If your identity is compromised, expert resolution specialists are available 24/7/365 to help you recover. Enrollment is required to activate monitoring.
Resets: Yearly - Zero Liability Protection
You won't be held responsible for unauthorized charges made on your card. Report any suspicious transactions promptly to qualify — delayed reporting may affect your protection. This covers both physical card use and digital or online transactions.
Resets: Yearly
Concierge & Membership
- Mastercard Business Assistant
Mastercard Business Assistant is a 24/7 concierge service that helps with business needs like booking travel, scheduling meetings, and finding restaurant or office equipment recommendations. Reach it any time by phone. It's designed for business tasks, not personal errands.
Resets: Yearly
Fees & Miscellaneous
- Employee Cards at No Additional Cost
Add employee cards to your Signify Business Cash account at no extra cost. Employee spending rolls up to your account, making it easy to track business expenses in one place.
Resets: Yearly - No Annual Fee$0 / yr
There is no annual fee to carry the Signify Business Cash Card.
Resets: Yearly