Wells Fargo Commercial Card

The Wells Fargo Commercial Card does more than just optimize your payment process. 

EDUREKA BD Select analyzed the pros and cons of Wells Fargo credit cards using an average American’s annual spending budget to find the best based on your consumer habits.

Wells Fargo's credit cards ​haven't always offered the biggest rewards or the flashiest benefits — but things have changed a lot in recent years as the issuer has rolled out products that appeal even to people who don't bank with Wells Fargo. Wells Fargo also cards offer certain features that are hard to find elsewhere

Save time and resources with a single card for purchasing, travel and entertainment, account payable invoices, and fleet expenditures. The Wells Fargo Commercial Card lets you reduce per-transaction costs and streamline approvals, reporting, and compliance.

It also provides comprehensive expense reporting that may help you:

1. Cash rewards — literally. Wells Fargo lets its banking customers redeem credit card rewards in $20 bills right at the ATM. To do this, use your Wells Fargo debit card at a Wells Fargo-owned ATM.
2. Cell phone protection. You'll receive up to $600 worth of coverage — after a $25 deductible — if your cell phone is damaged or stolen and you pay its monthly bill with an eligible Wells Fargo credit card.
3. Reduce or eliminate manual processes and costs. Our electronic payment process can eliminate up to 90 percent of the $50 to $150 per-transaction cost for issuing or reissuing purchase orders and checks.
4. Improve working capital.
5. One card, two currencies with the WellsOne Canadian Dollar card.
6. Speed approvals with online routing and receipt imaging.
7. Automatically update your A/P system or general ledger without manually keying information.
8. Improve reimbursements with ACH direct deposits right to your employees’ bank accounts on the CEO portal.
9. Exercise greater security and control over employee T&E spending and reimbursement by setting limits and guidelines at multiple levels.
10. Easily analyze spending trends to more effectively manage payables.
11. Deliver convenience to traveling employees with mobile access via CEO Mobile for managing their card transactions and submitting expenses.
12. Decrease the risk of fraud with Chip and PIN card technology.

Here are the best Wells Fargo credit cards for no-interest periods and earning rewards—all with no annual fee

#1 Wells Fargo Cash Wise Visa® card Our pick for
Cash back

Highlights

• ANNUAL FEE: $0
• REGULAR APR: 14.49% - 24.99% Variable APR
• INTRO APR :0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

• Earn a $150 cash rewards bonus after spending $500 on purchases in the first 3 months
• Earn unlimited 1.5% cash rewards on purchases
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
• 1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
• $0 annual fee
• Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® card
• No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
• Select "Apply Now" to learn more about the product features, terms and conditions

WHY WE LIKE IT

The Wells Fargo Cash Wise Visa® card offers solid, no-fuss cash rewards — an unlimited 1.5% cash back on purchases — for a $0 annual fee. 

#2 Wells Fargo Propel American Express® card Our pick for
Travel

• ANNUAL FEE: $0
• REGULAR APR: 14.49% - 24.99% Variable APR
• INTRO APR: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Highlights

• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value
• $0 annual fee and no foreign currency conversion fee
• Earn 3X points on eating out and ordering in
• Earn 3X points on popular streaming services
• Earn 3X points on gas stations, rideshares and transit
• Earn 3X points on travel including flights, hotels, homestays and car rentals
• Earn 1X points on other purchases
• Select "Apply Now" to learn more about the product features, terms and conditions

Pros

The card earns triple points on a wide variety of spending, including dining out and ordering in; gas stations, rideshares and transit; travel categories like airfare, hotels, homestays and car rentals; and even popular online streaming services. All other spending earns 1 point per dollar. Plus, the card comes with a generous welcome offer: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. You even an introductory 0% APR period.

Cons

You won't get some of the premium perks you can find on travel cards that charge annual fees, such as travel credits, transfer partners and airport lounge access. As an American Express, acceptance is more limited abroad. 

WHY WE LIKE IT

The Wells Fargo Propel American Express® card boasts a stunning combination of features for a travel credit card with a $0 annual fee, including 3X points on a wide variety of common expenses. 

#3 Wells Fargo Platinum card Our pick for
0% APR or balance transfers

• ANNUAL FEE: $0
• REGULAR APR: 16.49% - 24.49% Variable APR
• INTRO APR: 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers

• 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
• $0 Annual Fee
• Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
• Easy access to your FICO® Credit Score with Wells Fargo Online®
• Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
• Convenient tools to help create a budget and manage your spending with My Money Map
• Select "Apply Now" to learn more about the product features, terms and conditions

WHY WE LIKE IT

The Wells Fargo Platinum card gives you a nice, long runway if you need time to pay off debt or finance a large purchase. 

These are the Wells Fargo Commercial Card.