pointslip milestomorrow.com

Wells Fargo Choice Privileges Mastercard vs Signify Business Cash

Both are Wells Fargo cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Signify Business Cash 2.0% 2% base rate
  2. Choice Privileges Mastercard 0.9% 1x base rate

Groceries

  1. Choice Privileges Mastercard 2.6% 3x
  2. Signify Business Cash 2.0% 2% base rate

Gas

  1. Choice Privileges Mastercard 2.6% 3x
  2. Signify Business Cash 2.0% 2% base rate

Furniture stores

  1. Choice Privileges Mastercard 2.6% 3x
  2. Signify Business Cash 2.0% 2% base rate

Home improvement

  1. Choice Privileges Mastercard 2.6% 3x
  2. Signify Business Cash 2.0% 2% base rate

What the numbers are doing

Abroad the answer flips: Signify Business Cash charges a 3% foreign transaction fee, so once that comes off the rate Choice Privileges Mastercard is the better card for everyday spend.

Where they differ: Signify Business Cash takes everything else; Choice Privileges Mastercard takes groceries, gas, furniture stores and home improvement.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSignify Business Cash2.0%
GroceriesChoice Privileges Mastercard2.6%
GasChoice Privileges Mastercard2.6%
Furniture storesChoice Privileges Mastercard2.6%
Home improvementChoice Privileges Mastercard2.6%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Signify Business Cash — 2.0%
  2. Choice Privileges Mastercard — 0.9%

Groceries

  1. Choice Privileges Mastercard — 2.6%
  2. Signify Business Cash — 2.0%

Gas

  1. Choice Privileges Mastercard — 2.6%
  2. Signify Business Cash — 2.0%

Furniture stores

  1. Choice Privileges Mastercard — 2.6%
  2. Signify Business Cash — 2.0%

Home improvement

  1. Choice Privileges Mastercard — 2.6%
  2. Signify Business Cash — 2.0%
Add to Apple Wallet

This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.

iPhone app · not yet released

Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.

Open this ranking in the generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.