Wells Fargo Business Secured Credit Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 04/18/2025
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Wells Fargo Business Secured Credit Card
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Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
11.90%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
Starting at 11.90%(Verified 06/21/2024)
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Annual Fee
$0
Credit Score Range
650 - 850
Wells Fargo Business Secured Credit Card Review
Wells Fargo Business Secured Credit Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a secured credit card cashback card issued by Wells Fargo Bank. If you're wondering whether Wells Fargo Business Secured Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Wells Fargo Business Secured Credit Card has a variable regular 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 can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Wells Fargo business secured credit card
| The Good | The Bad |
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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 $29.
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 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:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | Starting at 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- 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.
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