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When comparing the best business
Here's how they compare.
Signify Business Card vs. Ink Business Unlimited: Card Comparison
Here's a quick look at how the Signify Business Card and the Ink Unlimited compare in a few key categories:
| Card | Ink Business Unlimited® Credit Card (Rates & Fees) | Wells Fargo Signify Business Cash® Card (Rates & Fees) |
|---|---|---|
| Current welcome offer | Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. | Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months. |
| Earning rates |
|
|
| Annual fee | $0 | $0 |
| Redemption options | Redeem for 1 cent per point as a statement credit, or combine your earnings with other Ultimate Rewards-earning cards to redeem at a higher value | Statement credit, direct deposit, gift cards, or travel |
| Key benefits | • Earn 5% total cash back on Lyft rides through 9/30/27. • 0% introductory APR for 12 months on purchases (then Variable rate of 16.99% - 24.99%) | • 0% intro APR for 12 months from account opening on purchases for your business. After that your variable APR will be 16.99% - 24.99%. |
Sign-Up Bonus
When you apply for a new credit card, the sign-up bonus can help boost your return. While welcome offers change over time, here's a look at the current offers for the Signify Business Card and the Ink Unlimited
- Earn unlimited 1.5% cash back on every purchase made for your business
- 2% cash rewards on purchases for your business – without caps or spending categories.
Earning Rewards
Both the Ink Unlimited and the Signify Business Card keep earning rewards simple, with flat-rate cash back on purchases regardless of spending category.
The Ink Unlimited earns 1.5% cash back on all purchases. Cardholders can also earn a total of 5% cash back on eligible Lyft rides through September 30, 2027.
Meanwhile, the Signify Business Card earns unlimited 2% cash rewards when you use it.
Winner: Wells Fargo Signify Business Cash® Card for its higher flat-rate earnings.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
- Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
- 0% intro APR for 12 months from account opening on purchases for your business. After that your variable APR will be 16.99% - 24.99%.
- $0 annual fee.
- Complimentary Priority Pass™ membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
- Easily apply the cash rewards you've earned as a statement credit to an eligible account. Your rewards don't expire as long as your account remains open.
- Add employee cards: Give your employees cards of their own at no additional cost and earn rewards on their business purchases.
- 2% cash rewards on purchases for your business – without caps or spending categories.
Redeeming Rewards
The cash rewards that you earn with the Signify Business Card can be redeemed for statement credits, deposits to eligible Wells Fargo accounts, travel, gift cards, and charitable donations.
However, Signify Business Card rewards cannot be transferred to Wells Fargo's airline and hotel transfer partners.
Rewards earned with the Ink Unlimited can also be redeemed for cash back, gift cards, or travel through Chase Travel℠, generally at a value of 1 cent per point.
Where the Ink Unlimited has an advantage is the ability to combine rewards with an eligible premium Ultimate Rewards-earning card, like the Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card. Doing so unlocks transfers to Chase's airline and hotel partners, potentially allowing you to redeem your rewards for more than 1 cent per point.
While both cards offer ways to use your rewards for travel, neither is a great choice for purchases abroad. Both charge a foreign transaction fee of 3% of each transaction in U.S. dollars, which can quickly eat into the rewards you earn.
Winner: Ink Business Unlimited® Credit Card for the possibility of higher-value redemptions.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through
Chase Ultimate Rewards - Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
- Earn unlimited 1.5% cash back on every purchase made for your business
Card Benefits and Protections
The Ink Unlimited doesn't feature as many benefits as some other cards in the Ink Business family. However, for a no-annual-fee card, it does offer some solid protections and perks.
Here are some of the benefits:
- Primary auto rental collision damage coverage for eligible business rentals
- Baggage delay reimbursement
- Purchase protection
- Extended warranty protection
- Travel and emergency assistance services
- Roadside assistance
- Complimentary three-month Instacart+ membership, plus a $20 monthly Instacart credit with an active membership through December 31, 2027 (enrollment required)
- Employee cards at no additional cost
The Signify Business Card also has a few benefits and protections that can be valuable, including:
- Primary rental car coverage for eligible rentals
- Baggage delay reimbursement
- Up to $250,000 in travel accident insurance
Mastercard - Complimentary Priority Pass membership with pay-as-you-go airport lounge access
- Mastercard Travel and Lifestyle Services
- Employee cards at no additional cost
Both cards also offer a 0% introductory APR on purchases for 12 months from account opening, followed by a variable APR. This can be useful for business owners who are planning to make larger purchases — just make sure to pay off the balance before the introductory period ends.
Which Card Is Right for You?
The Ink Business Unlimited® Credit Card and the Wells Fargo Signify Business Cash® Card are great options if you're looking for a business card with no annual fee and a simple earning structure.
Which card is best for you will depend on your own spending and redemption habits. If you're planning on redeeming your rewards for statement credits or cash back, then the Signify Business Card might be a better option, since it has a slightly higher earning rate on each purchase.
On the other hand, if you have other cards in the Chase Ultimate Rewards ecosystem and can combine the rewards on your Ink Unlimited with other premium Chase cards to unlock a higher value, that may be the best play for you.
If you're still not sure which card is right for you, make sure to check out our full Chase Ink Unlimited review and our full Wells Fargo Signify Business Card review.
- Earn unlimited 1.5% cash back on every purchase made for your business
- 2% cash rewards on purchases for your business – without caps or spending categories.
For rates and fees of the cards mentioned in this post, please visit the following links: Ink Business Unlimited® Credit Card (Rates & Fees)
