Signify Business Cash®: Unlimited 2% Cashback for Business Spending
Earn unlimited 2% cashback on all business purchases, plus no annual fee and a generous welcome bonus for straightforward business rewards.
The Bottom Line
4.4
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
The Signify Business Cash® Card is a strong business cashback card for small business owners who want simple, predictable rewards without tracking spending categories. It earns an unlimited 2% cashback on all eligible purchases, making it easy to maximize rewards across a wide range of business expenses. The card also offers a generous welcome bonus, no annual fee, and a 0% intro APR on purchases, providing valuable first-year savings and financial flexibility. Beyond cashback, the card includes several benefits often absent from no-annual-fee business cards, including complimentary Priority Pass™ membership with "pay as you go" lounge visit fees, auto rental coverage, travel accident insurance, and useful business management features. Its straightforward earning structure and lack of spending caps or category activation requirements make it a low-maintenance option for everyday business spending. The downside is that businesses with significant spending in specific bonus categories may earn more with a category-focused rewards card. While the travel perks add value, the card's rewards program is primarily designed around simple cashback rather than premium travel rewards. Overall, this card works best for small business owners seeking uncomplicated flat-rate cashback, strong first-year value, and a useful mix of business and travel benefits without an annual fee.
Signify Business Cash®
Apply now
On Wells Fargo's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 12 months
Balance Transfers: N/A
Regular APR
16.74% - 24.74% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards 2% cashback on all business purchases.
2% Cashback
Welcome Offer Earn a $500 bonus after spending $5,000 in the first three months.
$500
Welcome Offer
- Earn a $500 bonus after spending $5,000 in the first three months.
Rewards
- 2% Cashback on all business purchases.
Redemption Options
- Redeem rewards for a statement credit, gift cards, travel, and more.
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases: For 12 months from account opening.
- Regular APR: After the introductory period, a variable APR of 16.74% - 24.74% applies to purchases.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Lounge Access
- Priority Pass™ Membership: Enjoy a complimentary Priority Pass™ membership and access to a global network of more than 1,500 airport lounges, with pay-per-visit pricing.
Travel Benefits
- Mastercard® Travel & Lifestyle Services: Access exclusive travel benefits, upgrades, special offers, and preferred treatment across hotels, flights, cruises, tours, car rentals, and more.
- Lifestyle Concierge: Access complimentary 24/7 concierge assistance for vacation planning, travel arrangements, and other lifestyle requests.
- Mastercard Lowest Hotel Rate Guarantee: Receive a refund of the difference if you find a lower eligible rate for the same hotel room after booking through Mastercard Travel & Lifestyle Services.
- Mastercard Hotel Stay Guarantee: If issues arise during an eligible hotel stay booked through Mastercard Travel & Lifestyle Services, Mastercard will work with the hotel to help resolve the problem or assist in finding comparable accommodations.
Travel Protections
- $250,000 Worldwide Automatic Common Carrier Travel Accident Insurance: Receive coverage of up to $250,000 for a covered loss resulting from an accident while traveling on a common carrier when you pay for the trip with your card.
- MasterRental® Coverage (Car Rental): Get coverage for damage or theft of a rental car when you pay for the rental with your card and decline the rental company’s collision damage waiver.
- Baggage Delay Insurance: Get reimbursed up to $300 per covered traveler for essential purchases when your baggage is delayed more than 4 hours, up to $300 annually.
Travel & Emergency Assistance
- Mastercard Global Service™: Access 24/7 worldwide assistance for lost or stolen cards and emergency card replacement.
Convenience Features
- Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.
Shopping & Savings
- Mastercard Merchant Offers: Access exclusive discounts, promotions, and special offers from participating merchants across travel, dining, entertainment, shopping, and everyday purchases.
Business Tools & Controls
- Free Employee Cards: Add employee cards at no extra cost, earn rewards on their purchases, and set individual spending limits.
- Mastercard Business Assistant: Access 24/7 assistance for business and travel needs, including trip planning, meeting arrangements, restaurant recommendations, and business purchases.
Additional Features
- Identity Theft Assistance: Mastercard ID Theft Protection (identity monitoring alerts and guided recovery support).
Terms and Conditions
- Click Apply Now to see the terms and conditions.