Wells Fargo Business Platinum Card

image

welcome offer

Earn 50,000 points after $5,000 spent within the first 3 months. Intro 0% APR for 9 months on purchases and balance transfers.

Bonus Cash Value

Approximately $500*

Annual Fee

$0

Card Rewards

1.5% cashback, Or opt for the reward option and receive 1 point on all purchases, plus a bonus 1,000 points after your business spends $1,000 or more in a single billing cycle

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Wells Fargo Business Platinum card has an interesting reward structure. When applying you will get a choice of either a cashback version or a rewards version. With the cashback version, you will earn unlimited 1.5% cashback per $1 spent. Or, with the rewards version, you will earn 1 point on every dollar spent plus a bonus 1,000 points after your business spends $1,000 or more in a single billing cycle (the reward version is best for a business swiping on average close to a $1,000 a month as that will give you double points per dollar spent). You will need a Wells Fargo Checking account for at least 12 months in order to apply for this card.

Card-Smart Tips & Advice
  • Good credit needed
  • Step by step guide how on to apply without an LLC or C-Corp
  • You need a Wells Fargo Checking account for at least 12 months in order to apply for this card
  • You may not be eligible for an introductory annual percentage rate if you opened a Wells Fargo credit card within the last 15 months from the date of this application
  • You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months
  • Wells Fargo does not report business credit card on your personal credit report
  • The welcome offer is not available if for business that already have a Wells Fargo business credit card or had a Wells Fargo business credit card opened or closed in the last 12 months
  • Wells Fargo will usually pull your Experian credit report
  • You can check your application status here or call 1 800 967 9521
  • If declined you can call 1 866 412 5956 to have your application reconsidered
Welcome Offer Eligibility
This offer is not available if the business already has a Wells Fargo business credit card or had a Wells Fargo business credit card opened or closed in the immediately preceding 12 months.
Card Details And Benefits
  • Get a 10% point credit when you redeem points online
  • Customize your business credit card design with the Wells Fargo card design studio.
  • No Foreign Transaction Fee
  • Auto Rental Collision Insurance
  • Extended Warranty Protection
  • Purchase Protection

Compare Cards

CardWells Fargo Business Platinum CardAmex Blue Business CashChase Ink Business Unlimited
Welcome BonusEarn 50,000 points after $5,000 spent within the first 3 months. Intro 0% APR for 9 months on purchases and balance transfers.Intro 0% APR for 12 months on purchases.Earn $750 (75,000 points) after $7,500 spent within the first 3 months. Intro 0% APR for 12 months on purchases.
Annual Fee$0$0$0
Rewards- 1.5% cashback, Or opt for the reward option and receive 1 point on all purchases, plus a bonus 1,000 points after your business spends $1,000 or more in a single billing cycle-2% cashback on up to $50,000 spent annually, then 1%- Unlimited 1.5% cashback - 5% cash back on Lyft rides
No Foreign Transaction FeeNone3%3%
Auto Rental Collision InsuranceSecondary worldwide coverage on rentals up to 30 days (excluding cars rented Israel, Jamaica, the Republic of Ireland, or Northern Ireland).Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000).Worldwide primary coverage on rentals for business purposes, secondary coverage on rentals for personal purposes. Coverage is for rentals up to 31 days.
Travel Accident InsuranceGet coverage If you god forbid die in an accident on a Common Carrier while traveling or lose a limb, sight, speech, or hearing, receive up to $500,000 in compensation.
Lost Luggage ReimbursementGet up to $3,000 per person for lost or damaged luggage.
Extended Warranty ProtectionDouble the time period of the original manufacturer’s written U.S. warranty up to 1 additional year on warranties of 3 years or less up to a maximum of $10,000.00 per claim $50,000.00 per cardholderOne additional year (limit $10,000 each claim and $50,000 max per year)Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim $50,000 per account.
Purchase ProtectionGet refunded if your purchase is damaged or stolen for up to 90 days from date of purchase. Max $10,000 per claim and $50,000 per yearDamage and theft, up to 90 days. $1,000 per claim ($50,000 per year)Get refunded if your purchase is damaged, or stolen for up to 120 days from the date of purchase. Max $10,000 per claim $50,000 per year.
Authorized User Fee$0$0$0
Luggage Delay InsurenceIf your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing for up to 3 days.
Roadside AssitanceChase will dispatch you assistance for free, but you will need to pay the service fee.

People also viewed:

image

Ink Business Cash

image

Spark Cash Business

image

Ink Business Unlimited

image

Spark Miles Business

image

Amex Gold Delta

image

Premium Rewards Card

image

Discover It

image

Chase Freedom

image

Chase Freedom Unlimited

image

Capital One QuicksilverOne

image

Citi Double Cash

image

Blue Business Plus

image

Fidelity Credit Card

image

Blue Business Cash

image

Wells Fargo Cash Wise

image

Cash Back Plus

image

Capital One Quicksilver

image

Amex Cash Magnet

image

Platinum Delta Business

image

Travel Rewards Business

image

USBank Business Leverage

image

Paypal Cash

image

Amazon Prime

image

Amazon Business

image

Amazon Business Prime

image

Lowe’s Business Rewards

image

Plum Business

image

Walmart Rewards

image

BuyPower Business

image

Costco Anywhere Business

image

Wells Fargo Signature

image

Wells Fargo Rewards

image

Altitude Go

image

Cash Visa Signature

image

Cash Rewards Secured

image

Travel Rewards Students

image

Travel Rewards

image

Discover It Miles

image

Discover It Student Cash

image

Discover It Chrome

image

Verizon Visa

image

Apple Card

image

Emirates Skywards Premium

image

Emirates Skywards Rewards

image

Harley Davidson Visa

image

Blue Cash Everyday

image

Citi Costco Anywhere

image

Cash Rewards

*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

image

Download link sent
succesfully

Got it*please check your promotional inbox
image

Error sending download link

Try Again