Get a $500+ Bonus With This Wells Fargo Small Business Card (And It Won’t Appear on Your Credit Report)
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If you’ve had a Wells Fargo checking or savings account for 1+ year, you can apply for the Wells Fargo Business Platinum Credit Card, which comes with a sign-up bonus of either $500 or 50,000 points after meeting the minimum spending requirements, depending on whether you want to earn cash back or points.
That’s a good deal for a card with NO annual fee! Plus, it won’t appear on your personal credit report, which is helpful if you’re trying to stay under 5/24 in order to qualify for Chase cards.
This offer is valid through March 31, 2019. If you have small business income and you’re eligible to apply, this card could get you $500 cash or, if you opt to earn points, a coach ticket worth up to $600!
If you’re not a Wells Fargo customer, be sure to check out our picks for the best small business credit cards.

I’ll explain how the card works!
Wells Fargo Business Platinum Card With $500 or 50,000 Bonus Points
Through March 31, 2019, folks who’ve had a Wells Fargo checking or savings account for 1+ years can apply for an increased bonus on the Wells Fargo Business Platinum Credit Card. When you spend $3,000 in the first 3 months of account opening, you can choose between:
- $500 cash bonus and 1.5% cash back per $1 spent on purchases
- 50,000 points and 1 point per $1 spent on purchases, plus 1,000 bonus points when you spend $1,000+ in any billing period

As a cash back card, the sign-up bonus is worth $500 cash. And you’ll earn a flat 1.5% cash back on purchases. Simple enough.
But as a points-earning card, the sign-up bonus value is variable. You can redeem your points for gift cards, flights, rental cars, or discounts on airfare. For example:
- 10,000 points are worth $100 toward a rental car or airfare
- 25,000 points get you a round-trip coach flight within the mainland US, up to $400
- 45,000 points get you a round-trip coach flight from the US to Canada, the Caribbean, or Mexico, up to $600
- 100,000 points get you a round-trip coach, Business Class, or First Class flight to a destination of your choice, up to $1,500
Points are worth between 1 cent and 1.5 cents each. But be aware, there’s a $24 fee to book airfare, which eats into the value you’ll get. Although you get a 10% bonus when you redeem points online. So the ultimate value depends on how you redeem your points.
That said, if you spend exactly $1,000 in a billing cycle, you’ll earn 2,000 points, thanks to earning 1,000 bonus points. At the low end, that could be worth $200, which could make this closer to a 2% cash back card.
Wells Fargo business cards don’t appear on your personal credit report. So if you’re trying to stay below 5/24 and looking for new cards, this one’s worth considering.

Keep in mind, you can’t even begin the application if you don’t already have a Wells Fargo checking or savings account that’s at least 1 year old.
But if you meet the criteria and have small business income, it’s worth a shot! Folks also report success getting pre-approval offers in-branch, if you have trouble applying online.
The information for the Wells Fargo Business Platinum Credit Card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.
Other Big Business Card Offers
Link: Which Business Credit Card Is Best? We’ve Done the Research!
As good as this deal is, don’t worry if you have to miss out. Consider these instead:
- Ink Business Preferred℠ Credit Card – 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening
- Ink Business Cash℠ Credit Card – $500 cash back (50,000 Chase Ultimate Rewards points!) after spending $3,000 on purchases in the first 3 months of account opening
- Capital One® Spark® Miles for Business – 50,000 Spark miles after spending $4,500 in the first 3 months of account opening.
- Hilton Honors American Express Business Card – 130,000 Hilton points after making $3,000 in eligible purchases within the first 3 months of account opening
Here are full details and perks for each of these cards.
Chase Sapphire Preferred® Card
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Intro APR on purchases
N/A
Regular APR
15.99%-22.99% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Rates & Fees
Other
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