Which is clearer – cog/spanner/wrench icon for desktop website settings, or a text label?

Building a web-based tool which will really only be viewed on a desktop web browser (due to a restricted corporate environment).

Trying to keep it as minimal as possible with no superfluous features. The tool is for booking car parking spaces. It's very simple so all the functionality will be on one page in either an accordion or tabbed view.

I just want to add a modal settings/admin page which will allow the user to change account settings such as adding a new car reg, or changing email address.

The big question is - what is A) clearer to the user while B) looking clean on the page - a text label "Settings" or "Manage account"? Or a cog/spanner/wrench icon?