Wells Fargo Reflect Card vs Ink Business Preferred Credit Card

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

Snapshot

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

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

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

Benefits & Partners

Transfer Partners	None	14 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	18.24% - 29.99%	10.99% - 19.99%
Cash Advance APR	29.99%	21.74%
Penalty APR	N/A	23.24%
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