Editorial take: Chase Ink Business Unlimited
The business version of Freedom Unlimited. Flat 1.5% on every business expense with no annual fee, perfect catch-all for anything that doesn't fit a bonus category.
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Side-by-side
Chase Ink Business Unlimited vs Citi Custom Cash
Both are well-respected travel cards. The Chase Ink Business Unlimited comes from Chase at $0/yr; the Citi Custom Cash from Citi at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Chase Ink Business Unlimited is the stronger pick today, the sign-up bonus is meaningfully larger ($550 more in estimated value) than the Citi Custom Cash's. Get the Chase Ink Business Unlimited first; revisit the Citi Custom Cash after you've earned that bonus.
| Feature | Chase Ink Business Unlimited | Citi Custom Cash |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $750 bonus cash back | $200 cash back |
| Bonus value (est.) | $750 | $200 |
| Min spend to unlock bonus | $6,000 in 3 mo | $1,500 in 6 mo |
| Issuer | Chase | Citi |
| Card category | business | cashback |
| Best earning category (Other) | 1.5x | 1x |
| Transfer partners | chase-ur | citi-ty |
| Headline benefits |
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Read the full review
Chase Ink Business Unlimited
$0/yr · $750 bonus cash back
Read the full review
Citi Custom Cash
$0/yr · $200 cash back
Editorial take: Citi Custom Cash
Genuinely clever. 5% on whichever category you spent most on each month, capped at $500/month. Earns $25/month = $300/year effortlessly. Pairs with Premier to convert to transferable ThankYou Points.
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Unlimited or Citi Custom Cash?
- The Chase Ink Business Unlimited has the bigger bonus, $750 bonus cash back, worth roughly $750, versus $200 cash back (~$200) on the Citi Custom Cash.
- Is the Chase Ink Business Unlimited's $0 annual fee worth it compared to the Citi Custom Cash?
- The Chase Ink Business Unlimited has no annual fee, so the question is whether the Citi Custom Cash's $0 fee is justified by its perks. If you'll use enough of the Citi Custom Cash's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Chase Ink Business Unlimited.
- Can I have both the Chase Ink Business Unlimited and Citi Custom Cash?
- 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 Unlimited or the Citi Custom Cash first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Unlimited: $6,000 spend in 3 months. Citi Custom Cash: $1,500 in 6 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.