Costs & Pricing

Metric	Ink Business Preferred® Credit Card	Wells Fargo Signify Business Cash® Card
Annual fee	$95 (no first-year waiver published)	$0
Employee card fee	$0	$0 (no published cap on number)
Purchase APR	17.74%–26.74% variable (Prime + 10.99% to +19.99%; max 29.99%)	16.74%–24.74% variable after intro (Prime + 9.99% to +17.99%; Prime 6.75% as of 09/02/2026; max APR 29.99%). Disclosures accurate as of Dec 2025.
Intro APR (purchases)	Not offered	0% for 12 months from account opening, then standard variable purchase APR
Foreign transaction fee	$0	3% of each transaction converted to U.S. dollars
Late payment fee	$40	Up to $40. First event in a rolling six-cycle window: lesser of minimum payment or $29; subsequent: lesser of minimum payment or $40

Rewards & Value

Metric	Ink Business Preferred® Credit Card	Wells Fargo Signify Business Cash® Card
Base earn rate	1 Ultimate Rewards point per $1 on all other purchases (uncapped)	$0.02 cash rewards per $1 qualifying net purchase (uncapped 2%). Posts when the purchase appears on a monthly statement. Program terms effective June 26, 2026.
Welcome bonus	100,000 Ultimate Rewards points after $8,000 purchases in first 3 months (posts 6–8 weeks after qualifying)	$500 cash rewards after $5,000 qualifying net purchases post within 3 months of account opening. Redeemable within 60 days after earned. Standing public offer since the May 2024 launch — no published offer-expiration date.
Redemption value	1¢/point cash (RPA contractual floor); Chase Travel marketed at 1.25¢; transfers at partner ratios	Statement credit / credit to an eligible Wells Fargo business credit or checking account at 1:1 cash. Gift cards and Business Rewards portal travel are options — portal/gift-card cents-per-dollar not published; do not assume portal equals cash. Minimum redemption $1 for statement-credit path.
Transfer partners	Native transfers (airlines 1:1; IHG, Marriott, Wyndham 1:1). World of Hyatt 1:1 through 9/30/2026, then 4:3 from 10/01/2026 (1,000 UR → 750 Hyatt). Unlocks transfers for Ink Cash/Unlimited points moved onto this card.	Not offered (points transfers are for Essential/Elite, not Cash)

Credit & Eligibility

Metric	Ink Business Preferred® Credit Card	Wells Fargo Signify Business Cash® Card
Personal guarantee	Required — authorizing officer liable individually and jointly with the business for all balances	Required. Account Guarantor unconditionally agrees to be personally liable, jointly and severally with the business. Wells Fargo may seek to collect from the guarantor before the business. Covers future line increases and enforcement costs.
Credit check	Hard pull on the authorizing officer (standard Chase practice)	Consumer report on the Account Guarantor. Treat full apply as a hard pull unless using only the no-impact prequal tool. Application also collects ownership details for 25%+ owners.
Employee cards	Free; number not capped in public copy; individual spend limits and real-time tracking	$0. Add via Business Online; optional monthly cycle spend cap (default = full account line). Up to three Administrators besides the guarantor. Employee cardholders are not personally liable; guarantor is. Cards mail in 5–10 business days. No published maximum number.
Product type	Revolving business credit card	Revolving business credit card (not a charge card; not NPSL; not a spend-management platform)

Pros & Cons

Ink Business Preferred® Credit Card

Pros

• 100,000 UR / $8,000 / 3-month welcome bonus; authorized-user spend counts
• 3x on shipping, direct social/search ads, comms, and travel up to $150k per anniversary year
• Native Ultimate Rewards transfers; unlocks transfers for Ink Cash/Unlimited points
• $0 foreign-transaction fee and $0 employee cards
• Cell-phone protection plus purchase protection and primary business rental CDW

Cons

• $95 annual fee with no Global Entry, lounge, or travel statement credit
• No intro 0% APR — poor working-capital tool if a balance will be carried
• Personal guarantee + hard pull + unofficial 5/24 gate
• Advertising 3x is narrow (direct platform MCCs, not agencies); office supplies are not 3x
• Hyatt transfers drop to 4:3 on October 1, 2026; bonus likely unavailable if you ever held this card

Wells Fargo Signify Business Cash® Card

Pros

• Uncapped 2% cash on qualifying spend with $0 annual fee
• 0% intro APR on purchases for 12 months from open
• $500 cash bonus at $5,000 / 3 months — low hurdle versus many business SUBs
• Employee cards at $0 with per-card cycle caps
• Primary MasterRental CDW and $250k common-carrier accident insurance on a no-fee card; rewards do not expire while open

Cons

• 3% foreign-transaction fee
• No category bonuses; 2% loses to 3–5% advertising/shipping cards on those MCCs
• Personal guarantee is unconditional and first-recourse
• No purchase protection, extended warranty, or cell-phone insurance in the public benefits guide; Priority Pass visits are paid
• After the intro window, 16.74%–24.74% variable APR makes revolving expensive relative to 2% earn; no public BT product

Verdict

Ink Business Preferred® Credit Card

Ink Business Preferred is the transfer keystone of the Ink family — 3x on the spend categories many operators actually have, $0 FTF, and a 100k welcome bonus, all at $95. Pair it with Ink Cash or Unlimited if you want the rest of spend at cash-back rates with transferable points parked here. Skip it if you need 0% capital, no personal guarantee, lounges, or simple uncapped cash back.

Wells Fargo Signify Business Cash® Card

Signify Business Cash is the flat 2% SKU — not Essential/Elite (points) and not consumer Active Cash. It beats Blue Business Cash after the $50k 2% cap and beats Ink Unlimited on ongoing earn, while trailing Spark Cash Plus on FTF and NPSL. Skip it for foreign spend, transferable points, no-PG underwriting, or anyone who will revolve after month 12.