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Chase Ink Business Cash vs CitiBusiness / AAdvantage Platinum Select Mastercard

Both are well-respected travel cards. The Chase Ink Business Cash comes from Chase at $0/yr; the CitiBusiness / AAdvantage Platinum Select Mastercard from Citi at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureChase Ink Business CashCitiBusiness / AAdvantage Platinum Select Mastercard
Annual fee$0$99
Sign-up bonus$1,000 bonus cash back65,000 miles
Bonus value (est.)$1,000$1,073
Min spend to unlock bonus$8,000 in 4 mo$4,000 in 4 mo
IssuerChaseCiti
Card categorybusinesstravel
Best earning category (Office)5x1x
Transfer partnerschase-uraadvantage
Headline benefits
  • 5% office + internet/phone
  • $1,000 SUB ($8k spend in 4 months)
  • No annual fee
  • Converts to UR points
    Read the full review
    Chase Ink Business Cash
    $0/yr · $1,000 bonus cash back
    Read the full review
    CitiBusiness / AAdvantage Platinum Select Mastercard
    $99/yr · 65,000 miles

    Editorial take: Chase Ink Business Cash

    Highest-earning no-fee business card. 5% on internet, phone, and office supplies covers most small-business overhead. Note: Current public offer is $1,000 cash back after $8,000 spend in 4 months, which Chase presents as its best offer ever (issuer-verified 2026-07-16).

    Editorial take: CitiBusiness / AAdvantage Platinum Select Mastercard

    Common questions

    Which card has the bigger sign-up bonus, Chase Ink Business Cash or CitiBusiness / AAdvantage Platinum Select Mastercard?
    The CitiBusiness / AAdvantage Platinum Select Mastercard has the bigger bonus, 65,000 miles, worth roughly $1,073, versus $1,000 bonus cash back (~$1,000) on the Chase Ink Business Cash.
    Is the Chase Ink Business Cash's $0 annual fee worth it compared to the CitiBusiness / AAdvantage Platinum Select Mastercard?
    The Chase Ink Business Cash has no annual fee, so the question is whether the CitiBusiness / AAdvantage Platinum Select Mastercard's $99 fee is justified by its perks. If you'll use enough of the CitiBusiness / AAdvantage Platinum Select Mastercard's benefits to clear $99 in value annually, it's worth it; otherwise stick with the Chase Ink Business Cash.
    Can I have both the Chase Ink Business Cash and CitiBusiness / AAdvantage Platinum Select Mastercard?
    Yes, since they're from different issuers (Chase and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
    Should I get the Chase Ink Business Cash or the CitiBusiness / AAdvantage Platinum Select Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Cash: $8,000 spend in 4 months. CitiBusiness / AAdvantage Platinum Select Mastercard: $4,000 in 4 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

    Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.