Ink Business Preferred® Credit Card
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Wells Fargo Active Cash® Card
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8.8MyCreditCardLab Score
MyCreditCardLab Score 8.8We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
8.7MyCreditCardLab Score
MyCreditCardLab Score 8.7We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | |
| $95 | $0 |
| INTRO APR | |
| No any intro offer of this card | 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers |
| REGULAR APR | |
| 21.24% - 26.24% Variable APR | 20.24%, 25.24%, or 29.99% Variable APR |
| PROS | |
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| CONS | |
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| WELCOME BONUS | |
| 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening | Earn a $200 cash rewards bonus after spending $500 in the first 3 months. |
| REWARDS | |
Ink Business Preferred® Credit Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
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Wells Fargo Active Cash® Card Rewards program is renowned for its flexibility in credit currency. Explore various redemption options for your earnings, including:
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| BENEFITS | |
| No additional cost for employee cards - You can multiply your points balance. Do this by adding your employees as authorized users on the card. Know this: the main cardholder or business is responsible for all purchases on them. Car rental collision damage waiver - This is coverage for business car rentals. You won’t have to use your insurance first. Travel and emergency assistance services - It includes medical and legal referrals. They help if you run into trouble while traveling. The cardholder will pay for any extra service costs. Cellphone protection - The primary cardholder and any authorized employee cardholders get cellphone protection. It covers them if they pay their cellular bills with the card. It covers up to $600 per claim (and up to $1,800 per 12 months) with a $100 deductible. They can make up to three claims per year. Purchase protection - New purchases are covered for 120 days against damage or theft for up to $10,000 per claim and $50,000 per account. | Cellphone protection - Get peace of mind with free cellphone protection. You get it when you pay your cellphone bill with the Active Cash card each month. It protects against damage and theft. It covers up to $600 per claim. The deductible is $25. Other cards have a $50 deductible. Visa perks - Unlock exclusive Visa perks with the Wells Fargo Active Cash® Card. Access Visa Concierge for help with travel, dining, and event tickets. Also, enjoy the Visa Signature Luxury Hotel Collection. It offers special benefits. These include room upgrades, free breakfast, and more at select hotels. Unlimited Cash Back - Earn unlimited 2% cash back on purchases with no categories or caps. 2% is a very good reward point. especially if you have daily or frequent online purchase so this card is best for you. earn reward points you can utilize for others you need. it's good saving for you. No Annual Fee - Experience the card's benefits without worrying about an annual fee. Introductory APR - You benefit from an introductory APR on purchases and balance transfers. It lasts for first 15 months. Also for balance transfer 3% for 120 days from account opening. |
| CASH ADVANCE FEE / APR | |
| 29.99% variable, plus a fee of either $15 or 5% of the amount of each transaction, whichever is greater | 29.99% variable, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater |
| BALANCE TRANSFER FEE | |
| 21.24% - 26.24% variable, plus a fee of either $5 or 5% of the amount of each transfer, whichever is greater | 21.49%–28.49% variable, plus a fee of either $5 or 5% of the amount of each transfer, whichever is greater |
| RECOMMENDED CREDIT SCORE | |
| 690 - 850 (Fair - Exceptional) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | |
| $0 | 3% |
| BEST FOR | |
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| More Details | More Details |
Ink Business Preferred® Credit vs. Wells Fargo Active Cash®
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