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IHG One Rewards Premier Business vs Wells Fargo Active Cash Card
Both are well-respected travel cards. The IHG One Rewards Premier Business comes from Chase at $99/yr; the Wells Fargo Active Cash Card from Wells Fargo at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | IHG One Rewards Premier Business | Wells Fargo Active Cash Card |
|---|---|---|
| Annual fee | $99 | $0 |
| Sign-up bonus | 140,000 Bonus Points | $200 cash rewards |
| Bonus value (est.) | - | $200 |
| Min spend to unlock bonus | $4,000 in 3 mo | - |
| Issuer | Chase | Wells Fargo |
| Card category | travel | cashback |
| Best earning category (Travel) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
IHG One Rewards Premier Business
$99/yr · 140,000 Bonus Points
Read the full review
Wells Fargo Active Cash Card
$0/yr · $200 cash rewards
Editorial take: Wells Fargo Active Cash Card
Common questions
- Which card has the bigger sign-up bonus, IHG One Rewards Premier Business or Wells Fargo Active Cash Card?
- The Wells Fargo Active Cash Card has a public bonus ($200 cash rewards, worth roughly $200), while the IHG One Rewards Premier Business doesn't advertise one right now.
- Is the IHG One Rewards Premier Business's $99 annual fee worth it compared to the Wells Fargo Active Cash Card?
- At $99/yr, the IHG One Rewards Premier Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Wells Fargo Active Cash Card's, pick the one whose perks you'll actually use.
- Can I have both the IHG One Rewards Premier Business and Wells Fargo Active Cash Card?
- Yes, since they're from different issuers (Chase and Wells Fargo) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the IHG One Rewards Premier Business or the Wells Fargo Active Cash Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. IHG One Rewards Premier Business: $4,000 spend in 3 months. Wells Fargo Active Cash Card: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.