Does the Wells Fargo Signify Business Cash cover it?
Wells Fargo lists 3 of the 11 protections we track with terms: baggage delay (up to $300 per trip after 4 hours), rental car damage (primary; rentals up to 31 days) and travel accident (up to $250,000). Not listed on the sources we checked: trip cancellation, trip delay, lost or damaged bags, emergency evacuation & medical, cell phone protection, purchase protection, extended warranty and return protection. No medical-expense cover is listed.
What the issuer lists
Trip cancellation & interruption Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Trip delay Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Baggage delay Listed with terms
Baggage Delay Reimbursement: essential personal items when checked bags are delayed or misdirected by the common carrier and don't arrive within 4 hours, up to $300 per covered traveler per trip and $300 per 12 month period per card. Pay the entire common-carrier fare with the card and/or its rewards. Secondary.
Lost or damaged baggage Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Rental car collision damage (CDW) Listed with terms
MasterRental Insurance Coverage: physical damage and theft of the rental vehicle on a primary basis, paying the lesser of the actual repair amount, wholesale market value less salvage and depreciation, or the rental agency's purchase invoice less salvage and depreciation; plus up to $500 per incident for loss-of-use charges. Pay for the entire rental with the card and/or its points and decline the rental company's collision/damage waiver. Rentals of 31 consecutive days or less.
Travel accident insurance Listed with terms
$250,000 Worldwide Automatic Common Carrier Travel Accident Insurance, when the entire common-carrier fare (less redeemable certificates, vouchers or coupons) is purchased with the card and/or its rewards. Maximum coverage $250,000 per account.
Emergency evacuation & medical Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Cell phone protection Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Purchase protection (damage & theft) Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Extended warranty Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Return protection Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Before you rely on this: benefits only apply when you pay the way the terms require (often the full purchase, fare, rental or phone bill on the card), they have exclusions, claim deadlines and documentation rules, and they can change. Your card’s Guide to Benefits is the final word. Not insurance advice.
What this card doesn’t list
Protections the Wells Fargo Signify Business Cash sources we checked say are not included, or don’t mention. Not listed doesn’t mean not covered: check your Guide to Benefits. For trips, a standalone travel insurance policy is one way people fill gaps like these; whether that is worth it depends on your trip.
- Trip cancellation & interruption: not listed on the issuer source we checked.
- Trip delay: not listed on the issuer source we checked.
- Lost or damaged baggage: not listed on the issuer source we checked.
- Emergency evacuation & medical: not listed on the issuer source we checked.
- Cell phone protection: not listed on the issuer source we checked.
- Purchase protection (damage & theft): not listed on the issuer source we checked.
- Extended warranty: not listed on the issuer source we checked.
- Return protection: not listed on the issuer source we checked.
- Medical treatment costs abroad: no medical-expense coverage is listed for this card.
Quick answers
Does the Wells Fargo Signify Business Cash have cell phone protection?
Cell phone protection is not listed on the Wells Fargo sources we checked for this card. Not listed doesn’t mean not covered. Check your Guide to Benefits.
Does the Wells Fargo Signify Business Cash have purchase protection?
Purchase protection (damage & theft) is not listed on the Wells Fargo sources we checked for this card. Not listed doesn’t mean not covered. Check your Guide to Benefits.
Is the Wells Fargo Signify Business Cash’s rental car coverage primary?
The Wells Fargo source describes it as primary. MasterRental Insurance Coverage: physical damage and theft of the rental vehicle on a primary basis, paying the lesser of the actual repair amount, wholesale market value less salvage and depreciation, or the rental agency's purchase invoice less salvage and depreciation; plus up to $500 per incident for loss-of-use charges. Pay for the entire rental with the card and/or its points and decline the rental company's collision/damage waiver. Rentals of 31 consecutive days or less. Check your Guide to Benefits.
Does the Wells Fargo Signify Business Cash include travel insurance?
The Wells Fargo sources we checked list baggage delay and travel accident for this card; see each protection above for its terms. No medical-expense coverage abroad is listed. Check your Guide to Benefits.
Do I have to pay with the Wells Fargo Signify Business Cash?
The sources we checked tie these protections to how you pay. Baggage delay: Pay the entire common-carrier fare with the card and/or its rewards. Rental car collision damage (CDW): Pay for the entire rental with the card and/or its points and decline the rental company's collision/damage waiver. Travel accident insurance: $250,000 Worldwide Automatic Common Carrier Travel Accident Insurance, when the entire common-carrier fare (less redeemable certificates, vouchers or coupons) is purchased with the card and/or its rewards. Check your Guide to Benefits.
Similar cards
Also check
Card coverage vs a standalone travel policy: what to compare · All protections explained · All cards (103 checked)