Head-to-head · 🇺🇸 United States
Citi Double Cash vs Chase Ink Business Preferred
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Citi
Citi Double Cash
Wins 3 of 10
US
Chase
Chase Ink Business Preferred
VISA
Wins 3 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Citi Double Cash | Chase Ink Business Preferred |
|---|---|---|
| Annual fee | No annual fee | · $95 |
| Joining fee | = None | = None |
| Top reward rate | · 2% (general) | 3% (travel) |
| Base reward rate | 2% | · 1% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cash back after spending $1,500 in first 6 months | = 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel) |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | · 4.5/5 | 4.7/5 |
Benefits compared
Citi Double Cash
- 1% cash back when you buy + 1% when you pay
- No annual fee
- No category restrictions or rotating bonuses
- 0% intro APR on balance transfers for 18 months
- Convert cash back to ThankYou Points (transferable to airline partners)
Chase Ink Business Preferred
- 3x points on travel + shipping + advertising + telecom (first $150K/year)
- 1x on everything else
- No foreign transaction fees
- Cell phone protection up to $1,000/claim
- Transferable to airline + hotel partners 1:1
- Employee cards at no cost
FAQ
›Citi Double Cash vs Chase Ink Business Preferred: which is better?
It's a true tie — pick the one whose boost categories match your spend. Citi Double Cash wins on 3 criteria, Chase Ink Business Preferred on 3.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Citi Double Cash for its best categories, Chase Ink Business Preferred for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Citi Double Cash: $200 cash back after spending $1,500 in first 6 months. Chase Ink Business Preferred: 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel).