Two no-annual-fee business cards pay flat-rate cash back, and they split on the details that matter most. The Chase Ink Business Unlimited earns 1.5% cash back on every purchase and offers $750 after you spend $6,000 in the first 3 months. The Wells Fargo Signify Business Cash earns 2% and offers $500 after $5,000 in the same window.
So which should you carry: Ink Business Unlimited or Wells Fargo Signify Business Cash? The answer turns on how much you'll put on the card, what you want beyond cash back, and which bank you'd rather deal with. Here's how the two compare, from each issuer's own pages.
Quick Answer
If your goal is the most cash back on everyday business spending, the Signify Business Cash's 2% rate is higher than the Ink Business Unlimited's 1.5%. If you'd rather have the larger welcome offer, or you want to redeem through Chase Ultimate Rewards, the Ink Business Unlimited is the one to look at.
The Two Cards Side by Side
- Annual fee: $0 on both.
- Earning: Ink Business Unlimited earns unlimited 1.5% cash back on every business purchase. Signify Business Cash earns unlimited 2% cash rewards without caps or spending categories.
- Welcome offer: Ink Business Unlimited offers $750 cash back after $6,000 in the first 3 months. Signify Business Cash offers a $500 cash rewards bonus after $5,000 in the first 3 months.
- Intro APR: 0% for 12 months from account opening on purchases on both. After that, both list a 16.99% to 24.99% variable APR.
- Foreign transactions: both charge 3% of each transaction.
Say your business puts $40,000 a year on one card. At 2% that's $800 back, and at 1.5% that's $600. Your own number will differ, so plug in your real annual spend.
The Welcome Offers
Chase pays the Ink Business Unlimited bonus as $750 cash back and asks you to allow 6 to 8 weeks for it to post. Wells Fargo says the Signify bonus shows as redeemable within 60 days after you earn it, and the $5,000 has to be in qualifying net purchases that post within 3 months of opening. Chase says offers may vary depending on where you apply, and Wells Fargo says offers may differ by marketing channel.
Check your eligibility before you apply. Chase says the new cardmember bonus may not be available if you've ever had the Ink Business Unlimited or any other Chase for Business card without an annual fee. Wells Fargo says a single company can't have more than one Signify Business Cash account, even if different owners apply separately.
Protections and Perks
Chase's page lists primary auto rental coverage for rentals made for business purposes, with reimbursement up to $60,000 for theft and collision damage on most vehicles with an MSRP of $125,000 or less. It also lists purchase protection of up to $10,000 per item for 120 days, extended warranty protection, travel and emergency assistance, and roadside assistance. Chase promotes 5% total cash back on Lyft rides through September 30, 2027, and a complimentary 3-month Instacart+ membership with a monthly Instacart credit, with benefits ending December 31, 2027.
Wells Fargo's Guide to Benefits lists MasterRental Insurance Coverage, baggage delay reimbursement, travel accident insurance for common carrier trips, Mastercard ID theft protection and Priority Pass among its sections. Read the guide for the coverage amounts before you count on any of them.
Employee Cards and Redeeming Your Rewards
Both cards offer employee cards at no additional cost, and both banks say you can set spending limits for each employee. With Wells Fargo, the Account Guarantor is responsible for repaying everything on the account, including what employees charge.
Chase lets you redeem for cash back as a statement credit or direct deposit, plus gift cards and travel, through Ultimate Rewards, and says points don't expire while your account is open. Wells Fargo lets you redeem for cash, charitable donations, gift cards and travel, and says cash rewards don't expire while the account is open.
Who Should Get Which
Pick the Signify Business Cash if you want the higher flat rate and your spending is steady enough that the 2% adds up, and you're comfortable with a smaller bonus. Pick the Ink Business Unlimited if you want the larger welcome offer, or you already use Chase for your business banking and rewards. If you spend heavily abroad, keep in mind that both charge a 3% foreign transaction fee.
Conclusion
For most small businesses weighing these two, the question is the higher 2% rate against a larger welcome bonus. Run your own annual spend through both before you apply. You can read each card's terms and apply through our links for the Ink Business Unlimited or the Wells Fargo Signify Business Cash.
