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► 2021 review, application & rates. The wells fargo business secured credit card offers a simple way for businesses to rebuild credit while making necessary purchases. Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications. As such, you should be fine to apply if you have a poor credit score (in the 500s or lower) or don't have a credit history. It is meant to cover everyday expenses, and you can choose whether you want cash back or rewards points.
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