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Chase Ink Business Preferred vs Wells Fargo Active Cash
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Ink Business PreferredChase | Wells Fargo Active CashWells Fargo |
|---|---|---|
| Rating | 4.7/5 | 4.5/5 |
| Annual Fee | $95 | $0 |
| APR | 17.74% - 26.74% | 18.49% - 28.49% |
| Signup Bonus | 100,000 points after spending $8,000 in 3 months | $200 cash rewards bonus after spending $500 in 3 months |
| Rewards Rate | 3X on first $150K/yr in travel, shipping, internet/cable/phone, advertising with social media and search engines, 1X on everything else | 2% cash rewards on all purchases |
| Credit Score | good | good |
| Pros | 100,000-point bonus worth $1,250+ in travel via Chase portal 3X on travel, shipping, internet, phone, and online advertising Points transfer to same 14+ partners as Sapphire cards | Flat 2% cash rewards on all purchases with no categories to track $0 annual fee with a $200 welcome bonus 0% intro APR for 12 months on purchases and balance transfers |
| Cons | $8,000 spend in 3 months is a high threshold for the bonus 3X categories are business-specific, not everyday spend No 0% intro APR offer | 3% foreign transaction fee Requires a Wells Fargo relationship for best experience No bonus categories beyond the flat 2% |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Ink Business Preferred
With a 4.7/5 rating, the Chase Ink Business Preferred edges out the Wells Fargo Active Cash (4.5/5). At $95/yr, the value proposition is strong. The Ink Business Preferred is the best business card for earning Ultimate Rewards points. 100K bonus, 3X on key business categories, and full access to Chase transfer partners.