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Wells Fargo Business Secured Credit Card
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Purchase APR (Variable APR) | 11.90% |
Balance Transfer APR (Variable APR) | Starting at 11.90% |
Credit Score Range | 650 - 850 |
Annual Fee | $0 |
Wells Fargo Business Secured Credit Card Review
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Key Takeaways
- Competitive APRs. Wells Fargo Business Secured Credit Card has a variable purchase APR of 11.90%
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Wells Fargo business secured credit card
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Wells Fargo business secured credit card FAQ
Who is Wells Fargo business secured credit card designed for?
This is a secured credit card credit card issued by Wells Fargo Bank.
Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.
This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.
This business card has a credit limit of up to 500.
What are the relevant APRs?
This business credit card has a variable purchase APR of 11.90%. The card has a variable balance transfer APR starting at 11.90% .
It also has a variable cash advance APR starting at 20.74% .
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.Purchase APR | 11.90% |
Balance Transfer APR | Starting at 11.90% |
Cash Advance APR | Starting at 20.74% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $50.
- A returned payment fee of up to $29.
- There is no overlimit fee
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | $29 |
Late Payment Fee | $25 to $50 |
Does it offer a cash back or rewards program?
Yes, Wells Fargo business secured credit card offers a rewards program to its customers. The rewards program allows you to earn 1% cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
- Every Purchase
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
What are the benefits?
This business credit card provides the following benefits:
- Fraud Liability
- Reports to major credit bureaus
What is the customer service phone number?
The customer service number for this business card is (800) 877-4833.
What is the support contact email?
The support contact email for this business credit card is corporateresponsibility@wellsfargo.com.
Does Wells Fargo Business Secured Credit Card report your account activity to credit bureaus?
Yes, Wells Fargo Business Secured Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply?
- Visit the Wells Fargo Bank .
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
Message From Wells Fargo business secured credit card
Contact
- Headquarters
-
420 Montgomery Street
San Francisco, CA 94104 USA - (800) 877-4833
- Visit Site
- Email Support
Other Services by Wells Fargo Bank
Feature Breakdown
Annual Fee | $0 |
Cash Advance Fee (%) | 4% |
Cash Advance Fee Minimum | $10 |
Foreign Currency Transaction Fee | 0% |
Late Fee Amount | $25 - $50 |
Minimum Cash Advance Fee ($) | $10 - $175 |
Minimum Interest Charge | $1 |
No Foreign Transaction Fee | |
No Interest Grace Period for Late Payment | 25 days |
Over-Limit Fee | $0 |
Returned Payment Fee | $29 |
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