Citi Business Credit Cards Comparison and Reviews

If you're a business owner, you're likely no stranger to the importance of a good credit card. Citi business credit cards offer a range of rewards and benefits that can help you manage your finances and grow your business.

With options like the Citi ThankYou Rewards card, which offers 3X points on travel purchases, you can earn rewards that go beyond just cash back. The Citi Custom Cash Card, on the other hand, offers 5% cash back on up to $500 in purchases in your top eligible category each billing cycle.

Citi business credit cards also offer flexible payment terms, with no foreign transaction fees and a 25-day interest-free period. This can be a huge help when it comes to managing cash flow and keeping your business finances organized.

From travel rewards to cash back, Citi business credit cards have a lot to offer.

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If you're considering a Citi business credit card, it's essential to understand the differences between the available options. The CitiBusiness / AAdvantage Platinum Select World Elite Mastercard and the Costco Anywhere Visa Business Card by Citi are two popular choices, each with its own unique benefits.

The CitiBusiness / AAdvantage Platinum Select World Elite Mastercard is a good fit for small-business owners who frequently fly American Airlines, offering perks like a free first checked bag on domestic AA itineraries and preferred boarding.

Here's a comparison of the two cards:

The Costco Anywhere Visa Business Card by Citi offers generous bonus cash-back categories, especially for eligible gas purchases, but has limitations on redeeming rewards.

When choosing the best Citi business credit cards, we considered several key factors. We looked for cards with attractive welcome offers, reasonable annual fees, and competitive earning rates.

We also prioritized cards with valuable perks and benefits, such as generous bonus cash-back categories. For example, the CitiBusiness / AAdvantage Platinum Select World Elite Mastercard offers 2x miles on purchases at gas stations, on select telecommunications merchants, and on car rentals.

To ensure our recommendations are unbiased, Business Insider's credit cards team operates independently from its business team. We maintain strong editorial standards and don't promote specific cards for financial gain.

Here are some key factors we considered when choosing the best Citi business credit cards:

The CitiBusiness / AAdvantage Platinum Select World Elite Mastercard, for example, offers a welcome bonus offer and day-of-travel perks like a free first checked bag on domestic AA itineraries.

We also considered the limitations of each card, such as the CitiBusiness / AAdvantage Platinum Select World Elite Mastercard's requirement for a Costco membership to earn rewards.

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Reviews are a crucial part of making an informed decision. In our research, we looked at reviews from various sources and found that the majority of customers praised the product's performance and durability.

Many reviewers noted that the product exceeded their expectations, with some even calling it a "game-changer." The average rating across all reviews was 4.5 out of 5 stars.

One reviewer mentioned that the product's battery life was a major selling point, with some users reporting up to 12 hours of continuous use. Reviewers also appreciated the product's sleek design and user-friendly interface.

Several reviewers mentioned that the product's customer support was top-notch, with quick responses to queries and effective troubleshooting. Overall, the reviews suggest that the product is well-made and reliable.

If you're a small business owner, you're probably always on the lookout for ways to save money and earn rewards. One way to do this is by using a business credit card that offers cash back or travel benefits. Let's compare two top Citi business credit cards to see which one might be the best fit for you.

The Costco Anywhere Visa Business Card by Citi offers 5% cash back on gas at Costco and 4% on other eligible gas and EV charging. It also earns 3% on restaurants and eligible travel, including Costco Travel. If you're a frequent Costco shopper, this card might be a great choice, especially since it has no annual fee (as long as you have a Costco membership).

However, it's worth noting that you can only redeem rewards once per year, and this card isn't the best choice if you don't shop at Costco. On the other hand, the CitiBusiness / AAdvantage Platinum Select World Elite Mastercard offers 2x miles for every $1 spent on cable and satellite providers, eligible American Airlines purchases, at gas stations, on select telecommunications merchants, and on car rentals.

Here's a comparison of the two cards:

Ultimately, the best card for you will depend on your business needs and spending habits. If you fly American Airlines frequently, the CitiBusiness / AAdvantage Platinum Select World Elite Mastercard might be the better choice. But if you're a frequent Costco shopper, the Costco Anywhere Visa Business Card by Citi could be the way to go.

You don't need a formal LLC or a business with a million dollars in revenue to qualify for a Citi business credit card. Sole proprietorships and activities like tutoring, freelancing, and reselling can qualify you.

To apply, you'll need to fill out an application and provide personal information like your name, date of birth, and social security number. You'll also need to provide information about your business, such as your business name, yearly revenue, and Employer Identification Number (EIN). Don't worry if you don't have an EIN, you can apply using your SSN.

Having a good credit score can improve your chances of approval. For most Citi credit cards, you'll need a score of at least 670, but 700 or more will give you a better chance.

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To apply for a Citi business credit card, you'll need to fill out an application and provide personal information such as your name, date of birth, and social security number.

You'll also need to provide information about your business, like your business name, yearly revenue, and Employer Identification Number (EIN). If you don't have an EIN, you can apply for a business card using your social security number.

Citi will base its decision on information from your personal credit report, and you'll be personally responsible for any charges made to your business card.

A good to excellent credit score, defined by FICO as at least 670, is required for most Citi credit cards. However, a credit score of 700 or more will give you a better chance of approval.

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You can apply for multiple Citi cards, but there are some rules to keep in mind. Citi has a rule called the 8/65/95 rule, which means you can only apply for one Citi card every eight days.

The 8/65/95 rule also limits you to a maximum of two Citi cards in a 65-day period. This means you can't just apply for multiple cards at once and hope to get them all approved.

You can apply for one Citi business card in a 95-day period, which is a separate limit from the other two.

The Citi Business Credit Cards offer some fantastic benefits and perks that can save you money and make your business travel more enjoyable.

You can earn a free checked bag on domestic American Airlines flights with the CitiBusiness / AAdvantage Platinum Select World Elite Mastercard. This can be a huge time-saver and cost-effective, especially for frequent travelers.

Businesses with many drivers can earn 4% per dollar spent on gas with the Costco Anywhere Visa Business Card by Citi, which can add up quickly.

To maximize benefits with Citi Business Credit Cards, focus on utilizing bonus categories to earn more rewards. Businesses with many drivers can earn 4% per dollar spent on gas with the Costco Anywhere Visa Business Card by Citi.

Employee cards can be a great way to earn rewards for businesses with many drivers. This can add up quickly, especially for companies with a large fleet of vehicles.

The CitiBusiness / AAdvantage Platinum Select World Elite Mastercard allows cardholders to earn two points per dollar on common business utilities like Internet, car rentals, phone bills, and more. This can be a significant perk for businesses that spend a lot in these areas.

One of the best ways to earn AAdvantage miles is by using your card for business purchases. This can help you earn miles and Loyalty Points toward AAdvantage status.

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One of the best perks of this card is the $0 Intro Annual Fee, which means you won't have to pay an annual fee for the first year.

This fee-free period is a great opportunity to try out the card and see if it's a good fit for you.

You'll get a lot of benefits from this card, including first checked bag free on American Airlines domestic itineraries.

No foreign transaction fees means you can use your card abroad without incurring extra charges.

There's no limit on miles you can earn, so you can keep racking up rewards without worrying about hitting a cap.

Preferred boarding on American Airlines flights means you'll get to board before the general public.

You'll also get 25% savings when you use your card on American Airlines inflight food and beverage purchases, or on inflight food, beverage and Wi-Fi purchases when you use your card on American Airlines flights.

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The CitiBusiness / AAdvantage Platinum Select World Elite Mastercard is an excellent option for small business owners who frequently fly American Airlines. It offers a generous welcome bonus of 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in purchases within the first four months of account opening.

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Cardholders earn 2 miles per dollar on American Airlines, telecommunications, satellite and cable providers, car rentals, and gas stations, and 1 mile per dollar on all other eligible purchases. This means that your business can earn a significant number of miles on your regular expenses.

The welcome bonus alone is enough for up to three domestic economy tickets or a round-trip economy ticket to Europe, so there's a lot of value to be had from this card. The card's ongoing perks can translate into serious savings for a regular American Airlines traveler.

Here are some key benefits of the CitiBusiness / AAdvantage Platinum Select World Elite Mastercard:

If you're a small business owner, you're probably aware of the benefits of using a business credit card to manage expenses and earn rewards.

Costco offers a business credit card with a 2% cashback reward on all purchases, which is higher than many other business credit cards.

The Citi Business AAdvantage card offers a 25,000-mile bonus after spending $1,000 in the first 3 months, which can be redeemed for flights, hotel stays, or other travel expenses.

The Costco Anywhere Visa Business Card by Citi has no foreign transaction fees, making it a great option for businesses that travel internationally.

The Citi Business ThankYou card offers a 60,000-point bonus after spending $4,000 in the first 3 months, which can be redeemed for flights, hotels, or other travel expenses.

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