Citi Business Credit Cards: A Comprehensive Guide
Citi offers a range of business credit cards that cater to different business needs and spending habits. Whether you’re a sole proprietor, a small business owner, or a large corporation, there’s likely a Citi business credit card that can help you manage your finances and earn valuable rewards.
Why Choose a Citi Business Credit Card?
- Competitive Rewards Programs: Citi business cards offer a variety of rewards programs, including cash back, travel miles, and points that can be redeemed for merchandise, gift cards, or travel.
- Travel Benefits: Many Citi business cards include travel perks such as airport lounge access, travel insurance, and discounts on car rentals.
- Business-Focused Features: Citi business cards offer features designed to simplify business management, such as purchase protection, extended warranty, and fraud protection.
- Flexible Spending Options: Citi business credit cards provide flexible spending options, allowing you to use your card for everyday business expenses, large purchases, or even online shopping.
Top Citi Business Credit Cards
1. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
- Rewards: Earn 2 miles per $1 spent on eligible American Airlines purchases and 1 mile per $1 spent on all other purchases.
- Benefits: Complimentary American Airlines AAdvantage® Executive Platinum® status, priority boarding, free checked bags, and access to Admirals Club lounges.
- Annual Fee: $95
2. CitiBusiness® / AAdvantage® Mastercard®
- Rewards: Earn 1 mile per $1 spent on all purchases.
- Benefits: Access to American Airlines AAdvantage® miles, priority boarding, free checked bags, and discounts on car rentals.
- Annual Fee: $0
3. CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
- Rewards: Earn 2 miles per $1 spent on eligible American Airlines purchases and 1 mile per $1 spent on all other purchases.
- Benefits: Complimentary American Airlines AAdvantage® Executive Platinum® status, priority boarding, free checked bags, and access to Admirals Club lounges.
- Annual Fee: $95
4. CitiBusiness® / AAdvantage® Mastercard®
- Rewards: Earn 1 mile per $1 spent on all purchases.
- Benefits: Access to American Airlines AAdvantage® miles, priority boarding, free checked bags, and discounts on car rentals.
- Annual Fee: $0
5. CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard®
- Rewards: Earn 2 miles per $1 spent on eligible American Airlines purchases and 1 mile per $1 spent on all other purchases.
- Benefits: Complimentary American Airlines AAdvantage® Executive Platinum® status, priority boarding, free checked bags, and access to Admirals Club lounges.
- Annual Fee: $95
6. CitiBusiness® / AAdvantage® Mastercard®
- Rewards: Earn 1 mile per $1 spent on all purchases.
- Benefits: Access to American Airlines AAdvantage® miles, priority boarding, free checked bags, and discounts on car rentals.
- Annual Fee: $0
7. CitiBusiness® / ThankYou® Premier Card
- Rewards: Earn 3 ThankYou® points per $1 spent on travel and entertainment, and 1 point per $1 spent on all other purchases.
- Benefits: Access to ThankYou® Rewards points, travel insurance, and discounts on car rentals.
- Annual Fee: $95
8. CitiBusiness® / ThankYou® Preferred Card
- Rewards: Earn 2 ThankYou® points per $1 spent on travel and entertainment, and 1 point per $1 spent on all other purchases.
- Benefits: Access to ThankYou® Rewards points, travel insurance, and discounts on car rentals.
- Annual Fee: $0
9. CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
- Rewards: Earn 2 miles per $1 spent on eligible American Airlines purchases and 1 mile per $1 spent on all other purchases.
- Benefits: Complimentary American Airlines AAdvantage® Executive Platinum® status, priority boarding, free checked bags, and access to Admirals Club lounges.
- Annual Fee: $95
10. CitiBusiness® / AAdvantage® Mastercard®
- Rewards: Earn 1 mile per $1 spent on all purchases.
- Benefits: Access to American Airlines AAdvantage® miles, priority boarding, free checked bags, and discounts on car rentals.
- Annual Fee: $0
How to Choose the Right Citi Business Credit Card
When choosing a Citi business credit card, consider the following factors:
- Your business spending habits: If you travel frequently, a card with travel rewards may be beneficial. If you primarily spend on everyday expenses, a card with cash back rewards may be a better fit.
- Your credit score: Some Citi business cards have higher credit score requirements than others. Be sure to check the eligibility requirements before applying.
- Your annual spending: If you spend a lot of money on business expenses, a card with a high spending limit may be a good option. However, be mindful of the interest rates on these cards.
- The annual fee: Some Citi business cards have annual fees, while others do not. Make sure to factor the annual fee into your decision.
Applying for a Citi Business Credit Card
You can apply for a Citi business credit card online, by phone, or by mail. You will need to provide your personal and business information, as well as your credit card history. Once your application is approved, you will receive your card in the mail within a few weeks.
Managing Your Citi Business Credit Card
Citi offers a variety of ways to manage your business credit card online and through mobile apps:
- Track your spending: View your recent transactions and track your spending patterns.
- Make payments: Make online or mobile payments to your account.
- Set spending limits: Set limits on your card to control your spending.
- Get alerts: Receive alerts on your phone or email when you make a purchase, when your balance is low, or when your payment is due.
Conclusion
Citi offers a wide range of business credit cards that cater to different business needs and spending habits. By considering your business spending habits, credit score, annual spending, and annual fee, you can find the right Citi business credit card to help you manage your finances and earn valuable rewards.
