Wells Fargo Business Elite Card

  • Credit line up to $100,000
  • No annual card fee
  • No foreign transaction fee
  • Dedicated customer service

  • $75 program fee enrolls all the cards on the account.
  • No required spending categories or caps.
  • Your choice of Cash Back Advantage or Reward Points.
  • Earn 1.5% for every $1 spent on net purchases.
  • Collect your cash back automatically as a direct deposit to your account or to your eligible checking or savings account each quarter.
  • Earn 1 point for every $1 spent on net purchases.
  • Receive 5,000 bonus points when your company spend reaches $10,000 in any monthly billing period.
  • Redeem points for gift cards, merchandise, airline tickets and more.
  • Get a 10% points bonus when you redeem online.

Learn more at Earn More Mall.

View all rewards

Redeem rewards online


  • No Annual fee.
  • No additional card fee.
  • $75 optional rewards program fee.
  • No foreign transaction fee.
  • Transaction fees for cash advances or balances transfer may apply – see your customer agreement for details upon approval

Interest rates

  • Interest rate on purchases. Prime + 5.99% to Prime + 14.99%
  • Interest rate on cash advances. Prime + 20.74%

Assign spending controls to each card on the account, such as:

  • Office administration. Allow only office-related purchases such as printing, copying, and equipment rentals.
  • Travel. Ideal for employees who travel for business purposes.
  • Driving. Limit spending to driving-related expenses like gas, tolls, and parking.
  • Transaction Limits. Set specific dollar limits on purchases.
  • Business hours. Limit employee spending to business hours only.

Assign controls when you apply, or call the dedicated Business Elite Card customer service team at1-800-231-5511 .


  • Showcase your business with the Card Design Studio® service
  • Company administrators.

    Owners can designate up to three administrators to manage accounts on behalf of the company.

  • Grace period of up to 25 days on purchases.

Cash management tools

Billing options

  • Choose between consolidated billing or individual cardholder billing.

Business Elite Online Reporting helps you easily and effectively manage your business expenses. This free service allows you to:

  • Track and manage cardholder spending, payments, and other transactions.
  • Analyze spending by category.
  • View spending by merchant.
  • Create custom reporting.

More about Business Elite Online Reporting
Watch our demo
More information

Download the enrollment form (PDF) for Business Elite Reporting. After you've completed and printed the form, please fax it to1-877-531-8803 .

Business Spending Report is available through Wells Fargo Business Online. This report allows you to monitor spending patterns and set monthly goals. Plus, it automatically organizes your business card transactions into spending categories.

Purchase Protection

  • Zero Liability Protection. You'll be fully reimbursed for unauthorized purchases or ATM transactions that are made with your Business Elite Card and reported promptly.
  • Chip-enabled technology. All cards come with chip technology to provide an added layer of security. Watch video on chip based technology.
  • Alerts. Get timely business credit card account alerts via email or text through Wells Fargo Business Online.
  • Fraud monitoring. We proactively monitor your business accounts to help prevent fraudulent use of your card.
  • Visa Purchase Security. Replaces or repairs eligible purchases, or reimburses you if items are lost, stolen, or accidentally damaged.
  • Visa Extended Warranty Protection. Extend manufacturer warranties, up to one additional year, on items you purchase with your Business Elite Card.

Travel Protection

  • Travel accident insurance. $250,000 per card.
  • Travel and emergency assistance services. A variety of emergency services available while traveling.
  • Auto rental insurance. Coverage for collision and theft.

Category: Business card

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