Citi Premier vs Chase Ink Business Preferred
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Ink Business Preferred wins 1-0. US-incorporated startups — best welcome bonus in the business-card space. 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 Preferred |
|---|---|---|
| Annual fee | = $95 | = $95 |
| Joining fee | = None | = None |
| Top reward rate | = 3% (travel) | = 3% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 60,000 ThankYou points after $4,000 in 3 months | = 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel) |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | = 700 | = 700 |
| Editorial rating | · 4.4/5 | 4.7/5 |
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 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 Premier vs Chase Ink Business Preferred: which is better?
Chase Ink Business Preferred wins on more dimensions (1 vs 0). 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 Preferred 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 Preferred: 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel).