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Credit Cards
Best Citi Business Credit Cards

Advertiser Disclosure Updated: Apr 24, 2024, 2:16pm

Best Citi Business Credit Cards Of April 2024

Dylan PearlDeputy Editor

Over a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mission to see as much of the world as possible, and strives to give everyone the tools to get out and do the same with simple, actionable information.

Dylan Pearl

Dylan PearlDeputy Editor

Deputy Editor

Caroline LupiniManaging Editor, Credit Cards & Travel Rewards

Caroline Lupini has been traveling the world with the help of credit card rewards since 2011. She has visited over 110 countries and is able to utilize her knowledge of credit cards and to make travel both less expensive and more luxurious. Caroline has over 50 credit cards in her wallet and has previously covered credit cards and travel for Business Insider, The Points Guy, USA Today, Lonely Planet, Orbitz and many others.

Fact Checked

Caroline Lupini

Caroline LupiniManaging Editor, Credit Cards & Travel Rewards

Managing Editor, Credit Cards & Travel Rewards

Fact Checked

Updated: Apr 24, 2024, 2:16pm

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

The $400 million Citi spent on naming rights for the Mets’ stadium hasn’t helped the team win any World Series—and maybe that’s why the Mets-branded Mastercard offering from Bank of America didn’t last. Even if it can’t help the Mets, Citi (a Forbes Advisor partner) certainly knows how to create a winning business credit card lineup.

Show Summary

Best Citi Business Credit Cards

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® *: Best for Airline Rewards
Costco Anywhere Visa® Business Card by Citi *: Best for Costco Shoppers

Top Business Cards

Best Citi Business Credit Cards

Best for Airline Rewards

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® *

Up to 2X Reward Rate

Earn 2X miles for every $1 spent on cable and satellite providers and on select telecommunications merchants; Earn 2X milesRead More

Welcome Bonus

75,000 bonus miles

Annual Fee

$0 intro annual fee for the first year, then $99

Regular APR

21.24% - 29.99% variable

Credit Score

Excellent (750 - 850)

Editor's Take

Small businesses who travel frequently on AA will love the perks that come with this card.

Pros & Cons

Excellent travel perks with AA
Large network of partner airlines via OneWorld Alliance
No foreign transaction fee

No intro APR offer
Doesn’t give access to American Airlines’ Admirals Club airport lounges
$99 annual fee (waived first year)

Card Details

Earn 75,000 bonus miles after spending $5,000 in purchases within the first 5 months of account opening
Earn 2 miles for every $1 spent on eligible American Airlines purchases, purchases at telecommunications merchants, cable and satellite providers, car rentals and gas stations
Earn 1 mile for every $1 spent on all other eligible purchases
Earn one loyalty point for every one eligible mile earned from purchases
$99 annual fee, waived for the first 12 months

Best for Costco Shoppers

Costco Anywhere Visa® Business Card by Citi *

Up to 4% Reward Rate

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year, then 1% thereafter;Read More

Welcome Bonus

N/A

Annual Fee

Regular APR

20.49% variable APR

Credit Score

Excellent Credit (750 - 850)

Editor's Take

Small business owners earn on Costco purchases, of course, but bonus categories also include gas, restaurants and travel. But the card comes with a catch: You must be a Costco member to apply for the card. And rewards are only paid out once a year, in February.

Pros & Cons

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 spent per year, 1% thereafter, unlimited 3% cash back on restaurants and eligible travel purchases, 2% cash back on purchases from Costco and Costco.com and 1% cash back on all other purchases. A Costco membership is required to apply
No annual fee with your paid Costco membership

Only available to people with paid Costco Business memberships
No welcome bonus or introductory APR

Card Details

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 spent per year, 1% thereafter
Earn 3% cash back on restaurants and eligible travel purchases
Earn 2% cash back on purchases from Costco and Costco.com and 1% cash back on all other purchases
No annual fee with a paid Costco membership
No foreign transaction fees

Here's a Summary of the Best Citi Business Credit Cards

Credit Card

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Costco Anywhere Visa® Business Card by Citi

Credit Card

Best For

Credit Score

Annual Fee

Welcome Bonus

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Best for Airline Rewards

Excellent

$0 intro annual fee for the first year, then $99

75,000 bonus miles

Costco Anywhere Visa® Business Card by Citi

Best for Costco Shoppers

Excellent Credit

N/A

Best Citi Business Credit Cards

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard®* comes loaded with travel perks and earns solid rewards. Though it might not stack up against the heavy-duty—and expensive—top airline cards, it holds its own in the space for an annual fee of $0 intro annual fee for the first year, then $99.

Rewards: Earn 2 miles for every dollar spent on cable and satellite providers, select telecommunications merchants, eligible American Airlines purchases, car rentals, and gas stations and 1 mile for every dollar spent on other purchases. Also earn 1 loyalty point for every one eligible mile earned from purchases.

Welcome offer: Earn 75,000 bonus miles after spending $5,000 in purchases within the first 5 months of account opening.

Annual fee: $0 intro annual fee for the first year, then $99

Other benefits and drawbacks: Cardholders of the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®* earn plenty of extra perks and rewards, including an American Airlines Companion Certificate for domestic main-cabin travel after spending $30,000 or more in purchases each year after the card is renewed. Redeeming the certificate costs $99 for the ticketing fee plus government taxes and fees, based on itinerary.

When flying on American Airlines tickets purchased with the card, the first bag is free, the cardholder earns preferred boarding and a 25% savings on both inflight food and beverage and Wi-Fi. The card also has no foreign transaction fees.

The Costco Anywhere Visa® Business Card by Citi* offers excellent capped rewards on gas and damage and theft-related purchase protection. Though it doesn’t have an annual fee, it does require a Costco membership, which can vary in price.

Rewards: Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 spent per year, 1% thereafter, unlimited 3% cash back on restaurants and eligible travel purchases, 2% cash back on purchases from Costco and Costco.com and 1% cash back on all other purchases. A Costco membership is required to apply.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: The Costco Anywhere Visa® Business Card by Citi* does not have a welcome bonus and cash back is provided as an annual credit card reward certificate once per year in February, which is redeemable for cash or merchandise at U.S. Costco warehouses, including in Puerto Rico. This limitation of the card greatly restricts your rewards, but if you shop frequently at Costco, it could be a plus. In addition, the card has no foreign transaction fees and offers damage and theft protection on purchases, extended warranty, worldwide car rental insurance, worldwide travel accident insurance, special access to tickets through Citi Entertainment and a staff of experts to help with travel, shopping and more via Citi Concierge.

Methodology

We evaluated multiple credit cards to find and rank the best Citi business credit cards. The cards on this list were chosen based on welcome bonuses, fees, rewards and other perks. However, what is best for the majority of consumers might not be right for you. Conduct informed research before deciding which cards will best help your business achieve its financial goals.

What Is the Best Citi Business Credit Card?

While there are many business credit cards with solid offers, the best one for you is going to depend on your needs. A card that makes sense for your business may not make sense for other businesses. Both of Citi’s business cards work well for some businesses but may not work at all for others. Evaluate what your goals are to determine whether each card you consider will fit your business’ needs.

How To Pick a Citi Business Credit Card

Finding the best credit card for your business needs can be overwhelming. Before applying, carefully consider your options.

When it comes to rewards, it’s always best to take a close look at your business’ past and projected spending to try to predict what categories will net you the most benefit. If, for instance, you drive for a living, you’ll likely generate the most rewards with a card that bonuses gas spending.

When running a business, it isn’t always more beneficial to put all expenses on a credit card; credit card processing fees tacked on by vendors may obliterate any rewards earned via a reward program.

Important questions to ask include:

What are your business’s goals?
What are your personal goals?
Where can you and your business benefit the most in terms of rewards, perks, benefits and convenience?
What does your business’s spending look like and does it align with a specific card’s reward earning?
Will you earn enough rewards or receive enough benefits to justify an annual fee?
Do you have a loan with another bank offering business credit cards? You may be more (or less) likely to see an approval from someone you’re already in business with.

Consider as many options as you can, and always read the fine print before agreeing to anything.

Pro Tip

If you need to work on building your credit, consider either a business secured card or a personal secured card. With a strong credit score, you’ll have more credit card options available.

Best Business Credit Cards 2024

Find the best business card for you & identify which factors matter for your business

Learn More

How Is a Business Credit Card Different From a Personal Credit Card?

Business credit cards are designed for and issued to businesses of any size. The benefits, rewards and fees are structured toward the needs and desires of businesses, not those of an individual. For instance, business cards often offer the ability to issue employee cards and sometimes offer compatibility with Quickbooks or other business-grade accounting software.

Frequently Asked Questions (FAQs)

Do I need good personal credit to get a business credit card?

Yes, probably. Most issuers will not issue a small business a line of credit without a personal guarantee from the owner. Once a business has sufficient assets and income, the business may be able to secure a line of credit without providing an owner’s Social Security number, but it’s up to the issuer and its risk tolerance. Call your bank to ask about specifics regarding your eligibility and application requirements.

How hard is it to get a Citi business credit card?

Citi doesn’t offer many business credit cards, and those that they do both require excellent credit. That means if your credit score isn’t solidly around or above 800, you probably should consider working on your credit score before applying for a Citi business card. There are other business credit cards for fair credit that may be a better place to start, or you can always apply for a personal card to improve your credit score and get a business credit card later.

What is the average Citi credit limit for business credit cards?

The credit limit you’ll be granted by Citi will depend on your credit history and other factors when you apply. You may have a limit as low as $1,000 or $2,000, but business credit cards can be granted with limits well over $100,000. Data suggests that the average business credit card limit across all issuers is somewhere around $50,000.

Next Up In Credit Cards

*The information for the following card(s) has been collected independently by Forbes Advisor: CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, Costco Anywhere Visa® Business Card by Citi. The card details on this page have not been reviewed or provided by the card issuer.

Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.

Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.

Dylan Pearl

Deputy Editor

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