What makes this credit card offer different
This credit card offer should be judged by net value after annual fees and required spend, not just the welcome-bonus headline.
Credit Card
Wells Fargo Signify Business Cash Bonus — Up to $500
Sign up for Wells Fargo Signify Business Cash Bonus and earn up to $500 in bonus rewards.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $5,000 | $500 |
Qualifying Period
within 3 months from the date your account is opened
Payout
Within 60 days after bonus cash rewards are earned
Requirements
- ✓At least $5,000 in qualifying net purchases (purchases minus returns/credits) must post within 3 months of account opening
- ✓Spend at least $5,000 in qualifying net purchases within 3 months of account opening
- ✓Minimum $5,000 in qualifying purchases within 3 months of account opening
- ✓At least $5,000 in qualifying purchases within 3 months of account opening
- ✓At least $5,000 in qualifying purchases within 3 months from account opening
- ✓$5,000 in qualifying purchases within 3 months of account opening
- ✓Minimum $5,000 in qualifying purchases within first 3 months
- ✓$5,000 in qualifying purchases within 3 months from account opening
- ✓Minimum $5,000 in qualifying purchases within 3 months from account opening
- ✓At least $5,000 in qualifying purchases (purchases minus returns/credits)
- ✓$5,000 in qualifying purchases required within 3 months of account opening
- ✓$5,000 in qualifying purchases within first 3 months
Restrictions
- ⚠New cardholders only
- ⚠New business customers only
- ⚠One bonus per company
- ⚠Business account only (not for personal use)
- ⚠New cardmembers only
- ⚠New customers only
- ⚠New business credit card applicants only
- ⚠One bonus per applicant
- ⚠Business credit card
- ⚠New business credit cards only
- ⚠Business use only
- ⚠Business credit card only
Fees
- $0 annual fee
- 3% foreign transaction fee
- Cash advances, cash equivalents, fees, and interest do not earn rewards or count toward bonus qualifying purchases
- Purchases that violate terms or involve illegal actions do not qualify
- Bonus must be earned within 3 months of account opening
- Qualifying purchases exclude cash advances, balance transfers, fees, interest, and gambling transactions
- Cash rewards never expire as long as account remains open
- Unlimited 2% cash rewards on qualifying purchases
- Qualifying purchases exclude balance transfers, cash advances, fees, and interest
- Unlimited 2% cash back on all eligible purchases with no caps
- Purchases that do not count include: cash advances, ATM charges, traveler's checks, money orders, pre-paid gift cards, peer-to-peer payments, wire transfers, fees, interest, gambling transactions
- Minimum credit limit of $2,500
- Qualifying purchases are purchases minus returns/credits
- Bonus posts to account as redeemable cash rewards within 1-2 billing periods after earned
- Cash advances, balance transfers, fees, and interest do not count toward spend requirement
- Bonus posts as cash rewards within 1-2 billing periods after requirement is met
- Qualifying purchases exclude cash advances, balance transfers, cash equivalents, fees, interest, and gambling transactions
- Bonus cash rewards will show as redeemable within 1-2 billing periods after they are earned
- Qualifying purchases are net purchases (purchases minus returns/credits)
- Excludes cash advances, balance transfers, fees, interest, and other non-purchase transactions
- Bonus posts as redeemable cash rewards within 1-2 billing periods after qualifying spend is met
- Cash advances, balance transfers, fees, interest, and cash equivalents do not earn rewards
- Foreign transaction fee of 3% applies
- Purchases minus returns/credits count toward the $5,000 threshold
- ATM charges, cash advances, traveler's checks, money orders, pre-paid gift cards, wire transfers, fees, and interest do not earn or count toward bonus
- Qualifying purchases are transactions for goods or services minus returns/credits
- Does not include ATM charges, cash advances, traveler's checks, money orders, pre-paid gift cards, wire transfers, fees, interest, or wagers
- Cash advances, ATM charges, traveler's checks, money orders, pre-paid gift cards, wire transfers, fees, interest, bets/wagers, casino chips, lottery tickets do not earn cash rewards
- Qualifying purchases are calculated as purchases minus returns/credits
- Bonus cash rewards will show as redeemable within 1-2 billing periods after earned
- Qualifying purchases are transactions for goods or services minus returns and credits
- Does not include cash advances, traveler's checks, money orders, pre-paid gift cards, wire transfers, fees, interest, gambling transactions
- Cash rewards bonus awarded as cash rewards
- Unlimited 2% cash rewards on all business purchases
- 0% intro APR for 12 months on purchases, then 16.74%-24.74% variable APR
- Cash rewards do not expire as long as account remains open and in good standing
- Employee cards available at no additional cost
- ATM charges, cash advances, traveler's checks, money orders, prepaid gift cards, wire transfers do not earn cash rewards
- Primary rental car coverage and travel accident insurance included
- Complimentary Priority Pass membership with pay-as-you-go lounge access
Last updated July 3, 2026
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Jun 26, 2026
How to evaluate Wells Fargo Signify Business Cash Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
Timing
- Qualifying period
- within 3 months from the date your account is opened
- Payout timeline
- Within 60 days after bonus cash rewards are earned
How to qualify
- At least $5,000 in qualifying net purchases (purchases minus returns/credits) must post within 3 months of account opening
- Spend at least $5,000 in qualifying net purchases within 3 months of account opening
- Minimum $5,000 in qualifying purchases within 3 months of account opening
- At least $5,000 in qualifying purchases within 3 months of account opening
Common pitfalls
- New cardholders only
- New business customers only
- One bonus per company
- Business account only (not for personal use)
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,000 median, so the requirements and any referral or portal stack matter more.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
How long do I have to qualify for Wells Fargo Signify Business Cash Bonus?
The qualifying period listed for Wells Fargo Signify Business Cash Bonus is within 3 months from the date your account is opened.
When does Wells Fargo Signify Business Cash Bonus pay out?
The payout timeline listed for Wells Fargo Signify Business Cash Bonus is Within 60 days after bonus cash rewards are earned.
