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Side-by-side

Chase Sapphire Preferred vs Wells Fargo Signify Business Cash

Both are well-respected travel cards. The Chase Sapphire Preferred comes from Chase at $95/yr; the Wells Fargo Signify Business Cash from Wells Fargo at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Chase Sapphire Preferred is the stronger pick today, the sign-up bonus is meaningfully larger ($1,500 more in estimated value) than the Wells Fargo Signify Business Cash's. Get the Chase Sapphire Preferred first; revisit the Wells Fargo Signify Business Cash after you've earned that bonus.

FeatureChase Sapphire PreferredWells Fargo Signify Business Cash
Annual fee$95$0
Sign-up bonus75,000 points
Bonus value (est.)$1,500-
Min spend to unlock bonus$5,000 in 3 mo-
IssuerChaseWells Fargo
Card categorytravelbusiness
Best earning category (Travel)5x1x
Transfer partnerschase-urNone
Headline benefits
  • 5x on travel booked via Chase
  • 3x on dining & streaming
  • $50 annual hotel credit
  • Transfer to 13 partners (Hyatt 1:1)
    Read the full review
    Chase Sapphire Preferred
    $95/yr · 75,000 points
    Read the full review
    Wells Fargo Signify Business Cash
    $0/yr ·

    Editorial take: Chase Sapphire Preferred

    The best starter travel card, period. Transferable points, solid bonus categories, and a low annual fee make this the card we recommend to almost everyone getting into the points game. Note: the 10% anniversary points bonus sunsets October 1, 2026.

    Editorial take: Wells Fargo Signify Business Cash

    Common questions

    Which card has the bigger sign-up bonus, Chase Sapphire Preferred or Wells Fargo Signify Business Cash?
    The Chase Sapphire Preferred has a public bonus (75,000 points, worth roughly $1,500), while the Wells Fargo Signify Business Cash doesn't advertise one right now.
    Is the Chase Sapphire Preferred's $95 annual fee worth it compared to the Wells Fargo Signify Business Cash?
    At $95/yr, the Chase Sapphire Preferred is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Wells Fargo Signify Business Cash's, pick the one whose perks you'll actually use.
    Can I have both the Chase Sapphire Preferred and Wells Fargo Signify Business Cash?
    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 Chase Sapphire Preferred or the Wells Fargo Signify Business Cash first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Preferred: $5,000 spend in 3 months. Wells Fargo Signify Business Cash: 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.