Head-to-head · 🇺🇸 United States
Wells Fargo Autograph vs Chase Ink Business Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Wells Fargo
Wells Fargo Autograph
VISA
Wins 2 of 10
US
Chase
Chase Ink Business Cash
VISA
Wins 2 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 | Wells Fargo Autograph | Chase Ink Business Cash |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 3% (travel) | 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 20,000 bonus points after $1,000 spend in 3 months | = $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | · 4.4/5 | 4.6/5 |
Benefits compared
Wells Fargo Autograph
- 3x on dining, travel, gas, transit, streaming, cell phone
- 1x on everything else
- No annual fee, no foreign transaction fees
- 0% intro APR for 12 months
- Cell phone protection up to $600/claim
Chase Ink Business Cash
- 5% cashback on office supply stores + telecom (up to $25K/year combined)
- 2% at gas stations + restaurants (up to $25K/year combined)
- 1% on everything else
- No annual fee
- 0% intro APR for 12 months
FAQ
›Wells Fargo Autograph vs Chase Ink Business Cash: which is better?
It's a true tie — pick the one whose boost categories match your spend. Wells Fargo Autograph wins on 2 criteria, Chase Ink Business Cash on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Wells Fargo Autograph for its best categories, Chase Ink Business Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Wells Fargo Autograph: 20,000 bonus points after $1,000 spend in 3 months. Chase Ink Business Cash: $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months.