Head-to-head · 🇺🇸 United States
Chase Ink Business Preferred vs Wells Fargo Active Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Chase
Chase Ink Business Preferred
VISA
Wins 3 of 10
US
Wells Fargo
Wells Fargo Active Cash
VISA
Wins 3 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Chase Ink Business Preferred | Wells Fargo Active Cash |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 3% (travel) | · 2% (general) |
| Base reward rate | · 1% | 2% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel) | = $200 cashback after $500 in first 3 months |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | 4.7/5 | · 4.5/5 |
Benefits compared
Chase Ink Business Preferred
- 3x points on travel + shipping + advertising + telecom (first $150K/year)
- 1x on everything else
- No foreign transaction fees
- Cell phone protection up to $1,000/claim
- Transferable to airline + hotel partners 1:1
- Employee cards at no cost
Wells Fargo Active Cash
- 2% unlimited cashback on every purchase
- No annual fee
- 0% intro APR for 12 months
- Cell phone protection (up to $600/claim)
- Visa Signature concierge
FAQ
›Chase Ink Business Preferred vs Wells Fargo Active Cash: which is better?
It's a true tie — pick the one whose boost categories match your spend. Chase Ink Business Preferred wins on 3 criteria, Wells Fargo Active Cash on 3.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Ink Business Preferred for its best categories, Wells Fargo Active Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Ink Business Preferred: 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel). Wells Fargo Active Cash: $200 cashback after $500 in first 3 months.