Chase Ink Business Preferred® vs. Citi Simplicity®
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Ink Business Preferred®
Chase
4.8
100,000-point bonus. 3x on travel, shipping, advertising.
Full review →
Citi Simplicity®
Citi
4.3
0% intro APR for 21 months on balance transfers. No late fees ever.
Full review →WealthSpott Verdict
Citi Simplicity® wins on more measurable categories — particularly annual cost. Chase Ink Business Preferred® may still win for your wallet depending on your spending patterns.
Feature
Chase Ink Business
Citi Simplicity®
Annual Fee
$95/yr
$0 Best
Sign-up Bonus
100,000 points
None
Rewards Rate
1x-3x
0%
Rewards Type
Points
None
0% Intro APR
N/A
0% for 12 months
Regular APR
21.24%-26.24% Variable
18.49%-28.99% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
720-850
670-850
Chase Ink Business Preferred®
Pros
- 100,000-point bonus worth $1,250+ in travel
- 3x on travel, shipping, and advertising
- Points transfer to airline and hotel partners
- No foreign transaction fees
Cons
- $8,000 minimum spend for bonus
- Requires a business (sole proprietor OK)
- $95 annual fee
Citi Simplicity®
Pros
- 0% intro APR for 21 months on balance transfers
- No annual fee
- No late fees — ever
Cons
- No rewards program
- 3% foreign transaction fee
- Purchase APR intro only 12 months
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