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Chase Ink Business Preferred vs Citi Double Cash Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Ink Business PreferredChase | Citi Double Cash CardCiti |
|---|---|---|
| Rating | 4.7/5 | 4.5/5 |
| Annual Fee | $95 | $0 |
| APR | 17.74% - 26.74% | 17.49% - 27.49% |
| Signup Bonus | 100,000 points after spending $8,000 in 3 months | $200 cash back after spending $1,500 in 6 months |
| Rewards Rate | 3X on first $150K/yr in travel, shipping, internet/cable/phone, advertising with social media and search engines, 1X on everything else | 2% on everything (1% on purchase + 1% on payment), 5% on hotels/cars/attractions via Citi Travel |
| Credit Score | good | good |
| Pros | 100,000-point bonus worth $1,250+ in travel via Chase portal 3X on travel, shipping, internet, phone, and online advertising Points transfer to same 14+ partners as Sapphire cards | Flat 2% cashback on everything — no categories to track 5% on hotels, car rentals, and attractions via Citi Travel 18-month 0% intro APR on balance transfers |
| Cons | $8,000 spend in 3 months is a high threshold for the bonus 3X categories are business-specific, not everyday spend No 0% intro APR offer | 3% foreign transaction fee No additional perks or insurance Must pay at least minimum due to earn the second 1% |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Ink Business Preferred
With a 4.7/5 rating, the Chase Ink Business Preferred edges out the Citi Double Cash Card (4.5/5). At $95/yr, the value proposition is strong. The Ink Business Preferred is the best business card for earning Ultimate Rewards points. 100K bonus, 3X on key business categories, and full access to Chase transfer partners.