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Wells Fargo Business Platinum Card

Stay updated on new credit card offers

welcome offer

Earn $300 after spending $3,000 within the first 3 months. Intro 0% APR for 9 months on purchases and balance transfers (after that 7.99% - 17.99% variable).

Bonus Value

Approximately $293*

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
  • Credit: Good credit needed
  • Step by step guide how on to apply without an LLC or C-Corp
  • You might need a Wells Fargo bank account: You might need a Wells Fargo bank account in order to get approved for some of their credit cards
  • Max-cards: You might not qualify for a 2nd Wells Fargo credit card if you have opened a Wells Fargo card in the last 6 months
  • Not reported on personal credit reports: Wells Fargo does not report business credit card on your personal credit report
  • Double dipping: 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
  • Credit report: Wells Fargo will usually pull your Experian credit report (in some states they pull Experian and Equifax)
  • Combining same-day credit inquiries: Some data points suggest that credit inquiries for same-day applications will be combined, but some data points suggest that credit inquiries for same-day applications will not be combined
  • Check application status: You can check your application status  here  or call 1 800 967 9521
  • Reconsideration: If declined you can call 1 866 412 5956 to have your application reconsidered

Recent Approvals and Denials (as submitted by Help Me Build Credit users)

100% Approved
763 Avg. Score of those approved
0% Denied
Approved 100%
Denied 0%

Credit limit range $10,000-$10,000

Avg. Credit limit$10,000

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

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
Foreign Transaction Fee

No foreign transaction fee.

Auto Rental Collision Insurance

Worldwide secondary coverage on rentals for up to 30 days (excluding rentals in Israel, Jamaica, the Republic of Ireland, or Northern Ireland) .

Extended Warranty Protection

Get your original manufacturer's warranty time doubled (up to a year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per cardholder.

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $10,000 per claim, $50,000 per year.

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*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.

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