Ink Business Cash® vs Wells Fargo Signify Business Cash℠
Side-by-side comparison
| Ink Business Cash® | Wells Fargo Signify Business Cash℠ | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $500 cash rewards bonus | |
| Advertising | 1% | 2% |
| Shipping | 1% | 2% |
| Office supplies | 5% | 2% |
| Phone & internet | 5% | 2% |
| Travel | 1% | 2% |
| Everything else | 1% | 2% |
| Est. yearly rewards* | $684 | $900 |
| Points type | Pools with Chase → transferable | Pools with Wells Fargo → transferable |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Ink Business Cash® | Wells Fargo Signify Business Cash℠ |
|---|---|---|
| Welcome bonus | $1,000 cash back | $500 cash rewards bonus |
| To earn it | $8,000 in 4 months | $5,000 in 3 months |
| Est. first-year value* | $1,684 | $1,400 |
| Est. ongoing value / yr* | $684 | $900 |
This one splits by time horizon. In year one the Ink Business Cash® is ahead by roughly $284, thanks largely to its welcome offer. But the Wells Fargo Signify Business Cash℠ earns more every year after, so if you keep it, it overtakes the Ink Business Cash® after about 2 years. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the Ink Business Cash®. Planning to keep it for years? The Wells Fargo Signify Business Cash℠ pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Ink Business Cash® | Wells Fargo Signify Business Cash℠ |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Transferable (paired with a premium card) | Transferable (paired with a premium card) |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
The Ink Business Cash® earns Chase Ultimate Rewards, which transfers to World of Hyatt, United, Air Canada, Southwest, and British Airways Avios. The Wells Fargo Signify Business Cash℠ earns Wells Fargo Rewards, reaching Air France-KLM, Avianca, British Airways Avios, and Choice. Most transfers are 1:1 on both, so the partners themselves, not the ratios, are what separate them.
The standout difference is the crown-jewel partner: for the Ink Business Cash® it is World of Hyatt at 1:1, widely considered the single best hotel transfer in points; for the Wells Fargo Signify Business Cash℠ it is the Avios and Flying Blue families for flexible short-haul and promo awards. Pick the program whose best partners match the trips you would actually book.
The verdict
On a typical year of business spending, the Ink Business Cash® earns about $684 a year in rewards and the Wells Fargo Signify Business Cash℠ about $900, valuing every point at a flat 1 cent. The Ink Business Cash® has no annual fee, so its rewards are all profit. The Wells Fargo Signify Business Cash℠ has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Wells Fargo Signify Business Cash℠ delivers more total value, about $216 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. Both earn points that only unlock airline and hotel transfers once you pair them with a premium card in the same family, so it comes down to which ecosystem you are building: Chase for the Ink Business Cash®, Wells Fargo for the Wells Fargo Signify Business Cash℠. On the sign-up bonus, the Ink Business Cash® currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Ink Business Cash® if your spending leans toward office supplies, phone & internet. Pick the Wells Fargo Signify Business Cash℠ if your spending leans toward advertising, shipping, travel.