Citi ThankYou Preferred Card vs Ink Business Preferred Credit Card

Side-by-side comparison of Citi ThankYou Preferred Card and Ink Business Preferred Credit Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Citi ThankYou Preferred Card	Ink Business Preferred Credit Card
Issuer	Citibank	Chase
Network	Mastercard	Visa
Card Material	Plastic	Plastic
Annual Fee	$0.00	$95.00
Base Rate	1.00%	1.00%
Travel Rewards	0.00x	3.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	0%
Lifecycle	Grandfathered	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Restaurants	2.0%	1.0% (base)
Entertainment	2.0%	1.0% (base)
Travel	1.0% (base)	3.0%
Shipping	1.0% (base)	3.0%
Telecommunications	1.0% (base)	3.0%
Advertising	1.0% (base)	3.0%
Anniversary Bonus	None	None
Portal Boost	1x	1.25x

Benefits & Partners

Transfer Partners	None	14 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	10.99% - 18.99%	10.99% - 19.99%
Cash Advance APR	21.24%	21.74%
Penalty APR	21.49%	23.24%
Late Fee	$41	$40
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	—	✓
Baggage Delay	—	✓
Cell Phone Protection	—	✓
Extended Warranty	—	✓
Purchase Protection	—	120 days
Return Protection	—	—
Trip Cancellation Interruption	—	✓
Trip Delay	—	✓
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Citi 8/65	Standard