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 Simplicity Card
Both are well-respected travel cards. The Chase Ink Business Unlimited comes from Chase at $0/yr; the Citi Simplicity Card 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 ($750 more in estimated value) than the Citi Simplicity Card's. Get the Chase Ink Business Unlimited first; revisit the Citi Simplicity Card after you've earned that bonus.
| Feature | Chase Ink Business Unlimited | Citi Simplicity Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $750 bonus cash back | No welcome bonus; product is a 0% intro APR balance-transfer card with no late fees, no penalty APR, and no rewards program |
| Bonus value (est.) | $750 | - |
| Min spend to unlock bonus | $6,000 in 3 mo | - |
| Issuer | Chase | Citi |
| Card category | business | |
| Best earning category (Other) | 1.5x | 1x |
| Transfer partners | chase-ur | None |
| 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 Simplicity Card
$0/yr · No welcome bonus; product is a 0% intro APR balance-transfer card with no late fees, no penalty APR, and no rewards program
Editorial take: Citi Simplicity Card
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Unlimited or Citi Simplicity Card?
- The Chase Ink Business Unlimited has a public bonus ($750 bonus cash back, worth roughly $750), while the Citi Simplicity Card doesn't advertise one right now.
- Is the Chase Ink Business Unlimited's $0 annual fee worth it compared to the Citi Simplicity Card?
- The Chase Ink Business Unlimited has no annual fee, so the question is whether the Citi Simplicity Card's $0 fee is justified by its perks. If you'll use enough of the Citi Simplicity Card'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 Simplicity Card?
- 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 Simplicity Card 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 Simplicity Card: no published min spend. 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.