• Employee cards: Add employee cards at no additional cost. You can set spending limits, monitor cards and get instant alerts online or in the Wells Fargo Mobile® app. The account guarantor is responsible for all charges, including employee purchases.
• Priority Pass™ membership: Complimentary membership with access to 1,300+ participating airport lounges. Each visit carries a fee, which must be paid with an eligible Signify Business card, and enrollment is required.
• Worldwide Automatic Common Carrier Travel Accident Insurance: Up to $250,000 in coverage for accidental loss of life, limb, sight, speech or hearing on a covered trip. The full common carrier fare must be paid with the card.
• MasterRental Insurance Coverage: Covers damage to or theft of a vehicle you rent with the card, in the U.S. or abroad. Coverage limits apply.
• Mastercard ID Theft Protection™: Identity monitoring, alerts and 24/7 resolution help. Registration is required.
• Mastercard Business Assistant: 24/7 help with business travel, meetings, restaurant recommendations and office equipment.
• Zero Liability protection: You’re not responsible for unauthorized transactions you report promptly, subject to certain conditions.
• Digital wallets and recurring payments: Add the card to your phone’s digital wallet, and put recurring vendor bills on autopay so they earn rewards.

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This card earns cash rewards, so getting the most from it means routing the right spending through it and not paying fees that cancel out the 2%.

[.dontreco] We don’t recommend: Using it with international vendors or abroad [.dontreco]
The 3% foreign transaction fee is more than the 2% you earn. Pay overseas suppliers and foreign trips with a card that has no foreign transaction fee.

[.sometimesreco] We sometimes recommend: Priority Pass™ visits [.sometimesreco]
A lounge visit can be worth it on a long layover or a delay. Check the per-visit fee first, since you pay it every time.

[.alwaysreco] We always recommend: Putting recurring bills and employee spending on the card, then paying in full [.alwaysreco]
Software, utilities, shipping and supplies are spending you’d do anyway, so run them through the card. Employee cards add their spending to your rewards. Then pay the balance in full each month so interest doesn’t eat the 2%, and redeem your rewards as a statement credit.

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1. The side hustler or solo owner who wants zero homework
If your business spending is spread across a dozen categories, a flat 2% means you never have to think about which card to use.

2. The business with employees on the road or on the floor
Employee cards cost nothing extra and earn the same 2%. You can set individual spending limits and get alerts when cards are used.

3. The business planning a big domestic purchase
New equipment or a buildout can go on the 0% intro APR for 12 months from account opening, as long as you can pay it off before the variable APR kicks in.

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• Businesses that buy from overseas or travel internationally. The 3% foreign transaction fee outweighs the rewards.
• Anyone who wants transferable points. This card earns cash rewards only.
• Companies that already have one. Wells Fargo allows one Signify Business Cash account per company, even if different owners apply.
• Anyone who will carry a balance after the intro period. Interest will cost more than the 2% you earn.

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Good to Excellent. Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.