Ink Business Preferred Credit Card vs Wells Fargo Reflect Card

Side-by-side comparison of Ink Business Preferred Credit Card and Wells Fargo Reflect Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Ink Business Preferred Credit Card	Wells Fargo Reflect Card
Issuer	Chase	Wells Fargo
Network	Visa	Visa
Card Material	Plastic	Plastic
Annual Fee	$95.00	$0.00
Base Rate	1.00%	0.00%
Travel Rewards	3.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	3%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	0.0% (base)
Travel	3.0%	0.0% (base)
Shipping	3.0%	0.0% (base)
Telecommunications	3.0%	0.0% (base)
Advertising	3.0%	0.0% (base)
Anniversary Bonus	None	None
Portal Boost	1.25x	1x

Benefits & Partners

Transfer Partners	14 partners	None
Annual Credits	None	None

Transfer Partners

1:1

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Pricing Details

Purchase APR	10.99% - 19.99%	18.24% - 29.99%
Cash Advance APR	21.74%	29.99%
Penalty APR	23.24%	N/A
Late Fee	$40	$40
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	✓	Secondary
Baggage Delay	✓	—
Baggage Loss	—	—
Cell Phone Protection	✓	Covered up to $600 per claim (subject to $25 deductible)
Extended Warranty	✓	—
Purchase Protection	120 days	—
Return Protection	—	—
Trip Cancellation Interruption	✓	—
Trip Delay	✓	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard