Chase Ink Business Preferred vs Wells Fargo Bilt Mastercard
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Wells Fargo Bilt Mastercard wins 2-1. Pay rent without fees — only no-fee card that earns points on rent. Chase Ink Business Preferred is still the right call if us-incorporated startups — best welcome bonus in the business-card space..
Side-by-side
| Criterion | Chase Ink Business Preferred | Wells Fargo Bilt Mastercard |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | = 3% (travel) | = 3% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel) | = No welcome bonus — value lives in rent payments |
| 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 Bilt Mastercard
- 1x points on rent (up to 100K points/year, no transaction fee)
- 3x on dining
- 2x on travel
- 1x on everything else
- Transfer to 14 airline + hotel partners
- No annual fee, no foreign transaction fees
FAQ
›Chase Ink Business Preferred vs Wells Fargo Bilt Mastercard: which is better?
Wells Fargo Bilt Mastercard wins on more dimensions (2 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›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 Bilt Mastercard 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 Bilt Mastercard: No welcome bonus — value lives in rent payments.