Signify Business Cash Card by Wells Fargo
The Signify Business Cash Card by Wells Fargo from Wells Fargo earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first 3 months.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Signify Business Cash Card by Wells Fargo earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 2% back | 2% |
| Other General everyday spend | 2% back | 2% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Signify Business Cash Card by Wells Fargo?
The Signify Business Cash Card by Wells Fargo fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Signify Business Cash Card by Wells Fargo fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- Charges $3 foreign transaction fees.
- Business card — rewards and liability rules differ from consumer cards.
What is the Signify Business Cash Card by Wells Fargo welcome bonus?
In Madeen's catalog snapshot, the Signify Business Cash Card by Wells Fargo welcome offer is Earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first 3 months.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $500
- Terms (catalog snapshot)
- Earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first 3 months.
- Minimum spend
- $5,000
- Window
- 3Months
Does the Signify Business Cash Card by Wells Fargo have an annual fee?
The Signify Business Cash Card by Wells Fargo has an annual fee of $0 and a foreign transaction fee of $3. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- $3
What travel perks does the Signify Business Cash Card by Wells Fargo include?
The Signify Business Cash Card by Wells Fargo includes Lounge access, Car Rental Insurance, Global emergency services, HealthLock in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Lounge access
Priority Pass - Complimentary membership access to more than 1,300 participating airport lounges worldwide with "pay as you go" lounge visit fees.
What benefits come with the Signify Business Cash Card by Wells Fargo?
Priority Pass
$99/yrComplimentary membership access to more than 1,300 participating airport lounges worldwide with "pay as you go" lounge visit fees
MasterRental Insurance Coverage
$25/yrReimbursement for covered physical damage and/or theft of a rental vehicle with primary protection
Worldwide Automatic Common Carrier Travel Accident Insurance
$25/yrPurchase your airline or other common carrier ticket with your eligible Wells Fargo card and you can be protected with Travel Accident Insurance of up to $250,000
Mastercard ID Theft Protection
$10/yrDetection and protection against identity theft, including monitoring, alerts and expert resolution 24/7/365
Car Rental Insurance
$10/yrReimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart Business
$10/yrFuel your business with same-day delivery of snacks, supplies and more. Enjoy $0 delivery fees* with three free months of Instacart+ and $20 off your second order each month. Offer expires on 1/31/2027.
Intuit® QuickBooks® Online and QuickBooks Online Payroll
$10/yrSave 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
Intuit® TurboTax®
$10/yrSave 20% on the TurboTax solution that best fits your small business needs and can help get your best possible tax outcome.
Luminary
$10/yrSave 30% on an annual or monthly Luminary membership to access Luminary’s global professional education and networking platform. Offer expires on 11/30/2027.
Mastercard Golf
$10/yrImpress clients and employees alike with exclusive PGA TOUR® experiences and access to other amazing golf benefits.
Related encyclopedia topics
Common questions about the Signify Business Cash Card by Wells Fargo
Does the Signify Business Cash Card by Wells Fargo have an annual fee?
The Signify Business Cash Card by Wells Fargo carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Signify Business Cash Card by Wells Fargo?
Dining is the strongest Madeen category for the Signify Business Cash Card by Wells Fargo at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Signify Business Cash Card by Wells Fargo charge foreign transaction fees?
The Signify Business Cash Card by Wells Fargo charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Signify Business Cash Card by Wells Fargo welcome bonus?
The Signify Business Cash Card by Wells Fargo welcome offer in our snapshot: Earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first 3 months.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Signify Business Cash Card by Wells Fargo?
Madeen's catalog lists a typical credit range of Good for the Signify Business Cash Card by Wells Fargo. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Signify Business Cash Card by Wells Fargo?
Rewards on the Signify Business Cash Card by Wells Fargo post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Signify Business Cash Card by Wells Fargo compare to similar cards?
Compare the Signify Business Cash Card by Wells Fargo against One Key (3% on Dining, $0 fee); One Key+ (3% on Dining, $99 fee); Wells Fargo Autograph℠ (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Signify Business Cash Card by Wells Fargo This card | Dining | 2% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $99 | |
Wells Fargo | Dining | 3% | $0 |
Wells Fargo | Dining | 3% | $0 |
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