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So when you use a credit card, the issuer pays the merchant and you go into debt to the card issuer.

Most debit cards are free with a checking account at a bank or credit union.

Payments during the 5-year draw period are calculated based on 15-year amortization where the monthly payment will adjust whenever there is a change in the prime rate.

A physical address is required to receive a Wells Fargo business credit product.

You must be an owner of this business and not already have this product.

See Terms and Conditions for details at account opening.

The Business Platinum Credit Card is a revolving credit option for everyday business expenses for businesses with annual sales up to million and needing fewer than 100 cards.

It comes with a free rewards program and your choice of rewards points or cash back.

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