There are many benefits of a Wells Fargo business credit card. Not only is it convenient and safe to use, you can also get money back when you don't meet your financial obligations. What more could you ask for? The following are the key features of a Wells Fargo business credit card.
First, you can pay all of your bills and obligations online using your credit card. Many small business owners prefer this because it allows them to manage their cash flow more efficiently. This makes it less likely that they will go over their credit line. If you own a home you will appreciate knowing that a Wells Fargo business credit card is an option.
Second, you can get additional benefits such as free hotel stays, travel miles and rental cars. These cards come with an annual fee but it is minimal. You will also benefit from the added protection from fraud that comes with owning a secured card. Many banks offer a one time credit limit up to $1000, which means that you cannot spend more than that amount before the account is closed.
Third, you are protected against fraud through Wells Fargo's Free Risk Protection Plan. This plan works by placing your funds in an account similar to that used by the Federal government. With this type of coverage, you have protection should unauthorized charges be made to your card. This can include any incident involving a customer who is unauthorized to open an account. You also enjoy these services if you are the victim of theft or if you become the victim of burglary.
Fourth, you can also enjoy low interest rates on your business credit cards if you maintain a good payment history with your other creditors. You can also earn gas tax rebates with your Wells Fargo business card. Many other banks only offer incentives if your business meets certain criteria. This means that even if you have poor credit, you will still be able to receive benefits that the traditional banks provide.
Fifth, the rewards offered by Wells Fargo are great. You are given a 15% cash back bonus on purchases you make. This includes purchases at home and on the go. Not only does this allow you to earn some extra cash for your business, it also helps you build your credit rating, which is important if you ever need to apply for a larger business loan.
Sixth, you have access to customer service anywhere you need it. If you need information about an order, you do not have to drive to a store in order to get it answered. With a traditional credit card, you often have to wait days, even weeks, before you can get your inquiry answered. You will also have access to online customer service if you have questions about your order. The only difference is that you will probably wait a couple days until your inquiry is processed before you can check out online.
Lastly, a Wells Fargo business credit card has reasonable interest rates. Most credit cards have annual fees and a lot of them have hidden costs that will hit your bottom line before you realize what they are. These rates and fees are designed to make it more difficult for you to pay off your balance, while offering you minimum payments. A Wells Fargo business credit card is designed to help you succeed, so take advantage of all that it has to offer.
If you have had problems paying your bills on time or even making the minimum payment when you have had a checking account for some time, then you may benefit from applying for a Wells Fargo business credit card. You may be surprised at all that this bank has to offer you. There are many perks that you can enjoy as well as rewards. In addition to rewards and low interest rates, many people choose a Wells Fargo credit card because it allows them to build their credit rating. Credit cards with higher than average interest rates can be frustrating because they require so much more time to pay off, but if you are using a credit card to build credit, you will find that it is easier to manage than a loan.
If you have bad credit, you may want to consider applying for a Wells Fargo business credit card but you should know that there are some requirements you will need to meet before you are approved. It is important to understand exactly what your credit score is before you apply. The best way to do this is to get a free credit score from one of the three major credit reporting companies. Once you know your score, you can start to fill out the application forms and know how much money you qualify for and the types of rewards you can enjoy once you receive your new card.
You should know that you can only use a Wells Fargo business credit card for business expenses. You cannot use it for travel, entertainment or anything else that is not related to running your business. If you would like to have access to the rewards and lower interest rates associated with owning a secured line of credit, it may be a good idea to apply for your new card today. You can learn more about your rewards options, terms and conditions by visiting the Wells Fargo website.
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