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VS

Compare the Features and Benefits of Chase Ink Business Premier℠ Credit Card and
Citi® Diamond Preferred® Credit 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
Unique Card Benefits
Primary Car Rental CDW Waiver
No Foreign Transaction Fees
Extended Warranty
Purchase Protection
Trip Protections
Cell Phone Protection
Does Not Report Credit Line to Personal Credit Profile
No Fees for Authorized Users
Roadside Assistance
Travel and Emergency Assistance Services
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
Free Access to Credit Score
Annual Fee
$195
Avg. Min. Credit Score
670-850 *
APR on purchases
-
APR on balance transfers
-
Ongoing APR
19.49%-27.49% (Variable)
Balance transfers fees
-
Best Multiplier
5x Airfare

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x Cruises

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x Car Rentals

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x Hotels

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

2.5x Single Charges over $5,000
2x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.75) 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 Ink Business Premier credit card from Chase fits a specific target audience.

The businesses best suited for this card spend a very high amount monthly and want to simplify their spending. Especially if you have frequent charges over $5,000, that annual fee is paid for many times over by the extra 1/2 percent earned in cash back.

While it’s easy to get caught up in miles and points, if you are spending and earning more points than you can realistically spend, it’s not at all a bad idea.

Check Ink Premier for Business

However, if you want to earn transferable points, you would be better served by a Capital One Spark Cash Select. Alone, the Spark Cash is also just straight cash, but if you have a Venture, Venture X, or Spark Miles for Business card, you can convert the cash to miles.

If that’s not a concern, then the Chase Ink Business Premier is easily the very best business charge card out there. No other credit card or charge card will get you more cash back on purchases.

Many small business owners spend a ton on inventory monthly and could be earning huge amounts of cashback, but don’t have time to learn about miles and points. This business card is perfect for those small business owners. If purchases tend to be large purchases over $5,000 (which earn 2.5%) it becomes even better.

Read more
Unique Card Benefits
yes
Primary Car Rental CDW Waiver
yes
No Foreign Transaction Fees
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Cell Phone Protection
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Fees for Authorized Users
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes
0% Intro APR on Purchases
no
0% Intro APR on Balance Transfers
no
Free Access to Credit Score
no
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 12 months, 18.24%-28.99% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 21 months, 18.24%-28.99% thereafter)
Ongoing APR
18.24%-28.99% (Variable)
Balance transfers fees
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Best Multiplier
0x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
None at this time
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(2.75) 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

This card does not have a rewards program or offer cash back, so you won’t earn rewards for spend. Rewards credit cards tend to carry high APRs and are suitable for those that do not carry a balance.

The Diamond Preferred card is all about the Introductory Purchase and Balance Transfer offers and ideal for those that already have credit card debt.

You can use this offer to help get your debt under control and think about rewards and cash back cards later – once you are debt free and won’t need to carry a balance. Be sure to read all rates, fees, and disclosures before you apply.

It also offers Citi “My Deals” both on the Citi Mobile App and Citi Online. My Deals provides easy access to national and local coupons across categories such as dining, shopping, and entertainment. Offers depend on your geographic location.

citi-diamond-preferred-credit-card

You’ll also have access to discounted gift cards select brands and a daily gift card deal.

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

Learn more about these cards today

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