Citi Premier vs Chase Ink Business Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Ink Business Cash wins 3-1. No-fee small-business card — 5% on office supplies, internet, cable. Citi Premier is still the right call if travel + dining + groceries combined — broader 3x than sapphire preferred..
Side-by-side
| Criterion | Citi Premier | Chase Ink Business Cash |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 3% (travel) | 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 60,000 ThankYou points after $4,000 in 3 months | = $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 700 | = 700 |
| Editorial rating | · 4.4/5 | 4.6/5 |
Benefits compared
Citi Premier
- 3x ThankYou points on travel (incl. gas)
- 3x on dining
- 3x on supermarkets
- Transferable to 16 airline partners
- $100 annual hotel credit
- No foreign transaction fees
Chase Ink Business Cash
- 5% cashback on office supply stores + telecom (up to $25K/year combined)
- 2% at gas stations + restaurants (up to $25K/year combined)
- 1% on everything else
- No annual fee
- 0% intro APR for 12 months
FAQ
›Citi Premier vs Chase Ink Business Cash: which is better?
Chase Ink Business Cash wins on more dimensions (3 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Citi Premier for its best categories, Chase Ink Business Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Citi Premier: 60,000 ThankYou points after $4,000 in 3 months. Chase Ink Business Cash: $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months.