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Compare the Features and Benefits of Chase Ink Business Cash® Credit Card and
Citi® Double Cash Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
No Fees for Authorized Users
0% Intro APR on Purchases
Primary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Does Not Report Credit Line to Personal Credit Profile
Roadside Assistance
Travel and Emergency Assistance Services
Unique Card Benefits
0% Intro APR on Balance Transfers
Concierge Services
Free Access to Credit Score
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 12 months, 18.49%-24.49% thereafter)
APR on balance transfers
-
Ongoing APR
18.49%-24.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Cable / Internet / VOIP Phone
5x Cellular Phone Service
5x Office Supplies
5x Lyft
2x Gas Stations
2x Dining Out / Food Delivery
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer
Get $750 in the form of 75,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.83) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

For most small business owners, it makes sense to have all three Chase Ink credit cards: this card, the Chase Ink Business Cash® Credit Card, the Chase Ink Preferred®, and the Chase Ink Unlimited®.

They all complement each other perfectly. Once you have a the Chase Ink Preferred®, which allows you to transfer points to Chase’s great lineup of airline and hotel partners like World of Hyatt, you will want to get the Ink Cash and Ink Unlimited to maximize your total earnings on bonus categories – since all points can be combined to your Ink Preferred.

The Ink Cash is a truly amazing card when it comes to bonus multipliers on select business categories. With 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year plus 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, you have tremendous bonus category multipliers on a no annual fee card.

restaurants-chase-ink-business-cash-credit-card

But the most important thing to know is that although this card says you are earning cash back, that is only if you don’t also have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card.

Either way, you are earning Chase Ultimate Rewards points. But without one of the above cards, you can only redeem your points for 1 cent per point. Once you do have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card in your arsenal, though, you’ll be able to move your points from your Ink Cash to any of those three cards, where you can either transfer to airline and hotel partner programs or redeem through the Chase Ultimate Rewards portal where your points are worth 1.25 – 1.5 cents each, depending on which card you have. The Ink Preferred and Sapphire Preferred offer 1.25 cents a point while the much higher annual fee Sapphire Reserve gives you 1.5 cents per point when booking travel in the Ultimate Rewards portal.

Even if you don’t “combo” your Ink Cash, those 5% and 2% bonus categories are exceptionally strong for business spending on a business credit card with no annual fees. And that large signup bonus doesn’t hurt either!

Overall, the Chase Ink Cash is one of my very favorite cards. I charge my cable, internet, and phone to the card and use it often at office supply stores, which sell a wide array of goods. I also use it for gas stations and dining as I like racking up Chase Ultimate Rewards points at a 2X bonus rate.

But keep in mind that it is at its most powerful when paired with a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card. To show you the difference, you know cash back means each point is worth a penny. But when you have it paired with one of these other cards to unlock points transfers, we value those points at 1.75 cents a piece – due to the flexibility of transfer partners and the potential redemptions those programs offer. So pairing your card boosts the rewards value, in our humble opinion, by 75%.

When using our spend calculator on this card, you’ll notice that we ask if you have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card and, if you do, we’ll increase the value of rewards on this card from 1 cent to 1.75 cents accordingly.

Please note: you must be under 5/24 (more on the Chase 5/24 rule) to apply for this card and you cannot apply for more than one Chase Business card in any 30 day period. You can apply for a maximum of two Chase cards within 30 days, with only, at most, 1 of them being a business card.

Read more
No Fees for Authorized Users
yes
0% Intro APR on Purchases
yes
Primary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes
Unique Card Benefits
no
0% Intro APR on Balance Transfers
no
Concierge Services
no
Free Access to Credit Score
no
Annual Fee
$0
Avg. Min. Credit Score
580-850 *
APR on purchases
-
APR on balance transfers
0% Intro APR (on balance transfers for 18 months, 19.24%-29.24% thereafter)
Ongoing APR
19.24%-29.24% (Variable)
Balance transfers fees
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Best Multiplier
2x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.016
Bonus Offer
There is no bonus offer at this time
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.83) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Citi Double Cash® Card isn’t a card loaded with features and benefits.

But it has one killer feature that makes the card a must-have for nearly everyone and that’s the simple fact that it earns 2% cash back on all of your everyday purchases. Technically, you earn 1% when you spend and 1% when you pay, but semantics aside, you’re earning 2% cash back on absolutely all eligible purchases.

everyday-purchases-citi-double-cash

And before we forget, it also comes with a pretty amazing intro offer for balance transfers, as outlined in the Key Facts at the top of the page.

You don’t have to think about bonus categories with this credit card. The answer to “what will I earn here” is always 2%.

Just one caveat: the Double Cash does not come with many expected benefits, like extended warranty or purchase protection. For those reasons, you may want to use another card for high value merchandise purchases.

That said, why is it a must have credit card for nearly everyone? Three reasons:

1) There is no consumer credit card issued by a major bank that earns a higher % of cash back with no annual fee. None.

2) You can use this as your one credit card if you are completely averse to using multiple credit cards (although you’ll need to be aware of the foreign transaction fees charged if you travel internationally). But even better is to use this as your “default” card. What I mean by that is you may have a card that earns 4X on dining and groceries and another that earns 3% on drugstores, but that’s it. What about an insurance payment? What about daycare?

On most other credit cards, if you aren’t spending in a bonus category, you only earn 1X or 1% back. For example, the Citi Premier Card pays 3X in certain categories (Air/Hotel, Gas, Restaurants and Supermarkets) and 1X in everything else. So you can “Double Up” by having both cards.

The Citi Double Cash card earns 2X Thank You® points on everything. If your purchase is in a Citi Premier card bonus category, go ahead and make the purchase with your Citi Premier card. If it’s in any other category, make the purchase with your Double Cash card. That way, you’ll get one percent when you make the purchase and another percent when you pay it. With a Double Cash card in your pocket, you can always take it out when you have no bonus category available, ensuring that you never, ever earn less than 2% back on any purchases.

3) While you’ll earn cash back rewards with this card, it earns it as ThankYou® points. If you only have the Double Cash alone, that keeps things simple. It’s cash! You can cash out as a statement credit, via direct deposit to your bank account, or by check.

Pair with a Citi Premier® card – a great credit card strategy

In that case, once again, you simply pair this card with a Citi Premier credit card. That would allow you to pool all of your ThankYou® points together and, because of the Premier, you’ll unlock access to all of the transfer options listed below, the best kind of credit card rewards:

Citi ThankYou Transfer PartnersTransfer RatioApproximate Transfer Time *
AeroMexico1:1Generally instant
Air France Flying Blue1:1Instant
Avianca LifeMiles1:1Instant.
Cathay Pacific AsiaMiles1:1Instant
Etihad Guest1:1Instant
Emirates1:!Instant
Eva Air1:1~1-3 days
Jet Airways InterMiles1:1Instant
JetBlue TrueBlue1:1Instant
Malaysia Airlines Enrich1:1~1-7 days
Qantas1:1Instant to 1 day
Qatar Privilege Club1:1~2 days
Singapore Airlines1:1~1-2 days
Thai Orchid Plus1:1~3-7 days
Turkish Airlines Miles&Smiles1:11-2 days
Virgin Atlantic1:1Instant to 2 days
Hotels
Choice Hotels1:2 (Citi Prestige / Premier / Chairman cards)

1:1.5 (No fee Citi ThankYou cards)
Instant
Wyndham Rewards1:1 (Citi Prestige / Premier / Chairman cards)

1:0.8 (No fee Citi ThankYou cards)
TBD
Accor Live Limitless1:0.5TBD

What are some of the ways you can use Citi ThankYou® points for outsized value with a Citi Premier?

We outline all of that on the Citi Premier card page, since that is the card that unlocks these features. Please take a look at the Citi Premier review for everything you need to know about using Citi ThankYou® points.

The Citi Trifecta: Add the Citi Premier and then a Citi Rewards+ Card for a 10% Points Rebate

You can make your Citi Premier and Citi Double Cash rewards combo even more rewarding if you add in a no-annual fee Citi Rewards+ card.

Each calendar year, Citi will rebate back 10% of the first 100,000 ThankYou® Points that you spend, so you can get back up to 10,000 points per year Best of all, it isn’t tied in any way to your spending on the card. Just having it in your profile and linked to the same ThankYou account will ensure that you get the rebate.

Citi Application Rules

Citi won’t approve more than 2 cards in a 60-day period, although we recommend 65 days, just to be safe. This means that if you decide to apply for the Double Cash and combo with a Citi Premier and Citi Rewards+ card, you’ll have to pick one to wait and apply for on Day 66. We’d recommend getting the Rewards+ last, since the benefits are when you redeem.

Bottom Line

The Citi Double Cash is quite simply a card that should be in 99% of wallets. The 2% cash back on everything (1% when you buy and 1% when you pay your bill), with no annual fee, is too good to pass up, even if you are using it in conjunction with other credit cards to maximize your bonus categories – as you should be!

Read more
No Fees for Authorized Users
yes
0% Intro APR on Purchases
no
Primary Car Rental CDW Waiver
no
Extended Warranty
no
Purchase Protection
no
Does Not Report Credit Line to Personal Credit Profile
no
Roadside Assistance
no
Travel and Emergency Assistance Services
no
Unique Card Benefits
yes
0% Intro APR on Balance Transfers
yes
Concierge Services
yes
Free Access to Credit Score
yes

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