Citi Double Cash® vs Ink Business Preferred®
Side-by-side comparison
| Citi Double Cash® | Ink Business Preferred® | |
|---|---|---|
| Annual fee | No annual fee | $95 |
| Welcome offer | $200 cash back | 100,000 Ultimate Rewards® Points |
| Advertising | 2% | 3% |
| Shipping | 2% | 3% |
| Office supplies | 2% | 1% |
| Phone & internet | 2% | 3% |
| Travel | 2% | 3% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $846 |
| Points type | Pools with Citi → transferable | Transfers to airlines & hotels |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Citi Double Cash® earns about $900 a year in rewards and the Ink Business Preferred® about $846, valuing every point at a flat 1 cent. The Citi Double Cash® has no annual fee, so its rewards are all profit. The Ink Business Preferred® charges $95, but carries about $10 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Citi Double Cash® delivers more total value, about $144 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and office supplies. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Ink Business Preferred® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Citi Double Cash® if your spending leans toward office supplies, everything else. Pick the Ink Business Preferred® if your spending leans toward advertising, shipping, phone & internet.