100,000 Points
Worth $1,000
After you spend $25,000 on purchases on your new card in your first 3 months of card membership.
- 1%Everywhere
Annual Fee
$125
Rec. Credit
Excellent
Wells Fargo
Wells Fargo Business Secured
The Wells Fargo Business Secured is built for small business owners who need to establish or rebuild credit, not for chasing high rewards or premium perks. It works best as a simple everyday spending card for basic business purchases while you build a stronger credit profile.
Annual Fee
$0
Rec. Credit Score
Rebuilding
Good For
Business credit building
All information about Wells Fargo Business Secured has been collected independently by MaxRewards. Wells Fargo Business Secured is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Wells Fargo Business Secured worth it?
This card is great for...
Building business credit
Everyday business purchases
Low-cost account maintenance
This card is worth considering if your main goal is getting a business card while rebuilding credit and keeping costs low. With a $0 annual fee and a straightforward 1% back in Go Far Rewards on purchases, it gives you a simple way to put regular business spending on a card and show responsible use over time.
Most readers should view it as a stepping stone, not a long-term rewards card. There is no welcome bonus, no bonus categories, and no listed benefits to help it stand out once your credit improves. If you can qualify for an unsecured business card, you will usually find stronger rewards and more useful perks elsewhere.
MaxRewards Verdict
A practical fit for business owners focused on rebuilding credit with a $0 annual fee. As a long-term spending card, its flat 1% return and lack of added benefits leave it with limited appeal.
Earning
Rewards
The rewards setup is very simple: you earn 1 point per dollar on purchases, equal to 1% back at the listed point value. That makes this card easy to use, but it is built more for credit building than for maximizing rewards.
CategoryRate
Everywhere
1%
Rewards percent based on a valuation of 1¢ per Go Far Rewards point
Eligibility
Recommended Minimum Credit
Min: Poor
Poor
Fair
Good
Excellent
Poor credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Wells Fargo
See all 23 cards
60,000 Points
Worth $600
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
- 5%Hotel
- 4%Airline
- 3%Dining
Annual Fee
$95
Rec. Credit
Excellent
50,000 Points
Worth $500
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 1%Everywhere
Annual Fee
$0
Rec. Credit
Excellent