Compare top Citi business cards | finder.com

Compare top Citi business cards

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Citi offers strong business cards for loyal American Airlines and Costco customers.

Citi has pared down its business credit cards, offering just two products in this category. However, they’re strong contenders in their markets, and they’re fine picks if you can take advantage of their rewards.

Best Citi business cards

There are currently two Citi business cards: the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® and Costco Anywhere Visa® Business Card by Citi.

Updated June 19th, 2019
Name Product Rewards Purchase APR Annual Fee
2x miles on American Airlines, gas and select business categories and 1x miles on all other purchases
17.99% to 25.99% variable
$0 intro annual fee for the first year ($99 thereafter)
70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening.
% cash back on gas on up to $7,000 annually (then %), % on dining and travel, 2% at Costco and % on all other purchases
17.49% variable
$0
Earn % cash back on gas on up to $7,000 annually (then %), % on dining and travel, 2% at Costco and % on all other purchases.

Compare up to 4 providers

Best Citi business credit cards

Citibank offers just two business cards, but each product packs a punch. Consider applying if you’re a regular customer with American Airlines or Costco.

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Best for American Airlines flights: CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening.

Promoted
Consider this card if you’re a regular American Airlines customer or if your business spends big on gas, car rentals and telecommunications purchases. Because you’ll earn accelerated rewards in more categories than just American Airlines purchases, the card can be worth picking up even if you don’t fly with the carrier often.

Best for small-business purchases: Costco Anywhere Visa® Business Card by Citi

Costco Anywhere Visa® Business Card

Earn % cash back on gas on up to $7,000 annually (then %), % on dining and travel, 2% at Costco and % on all other purchases.

Promoted
This is a great cashback card if your business spends a lot on gas, dining and travel. As you might expect, it’s also a good option if you’re already a regular Costco customer.

Top 4% cash back credit cards

How to compare Citi business cards

When you’re deciding between Citi business cards, consider the rewards you’ll receive and whether you can take advantage of them.

With the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, you’ll want to earn 2x miles whenever you can. Check if your business spends in the accelerated-miles categories. If the answer is no, you might want another business credit card for travel.

Consider the Costco Anywhere Visa® Business Card by Citi if you’re already a Costco member, as you won’t need to pay an annual fee for it. It’s an excellent cashback card as long as you spend regularly on gas, dining, travel or Costco purchases.
Shell fleet card with no annual fee

Consider a business card from another brand

The Blue Business‎℠ Plus Credit Card from American Express

  • Get rewarded for business as usual. Earn 2x Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
  • 2x applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 15.49%, 18.49% or 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms apply
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Compare all business cards

Updated June 19th, 2019
Name Product Rewards Purchase APR Annual Fee
N/A
0% for the first 20 billing cycles (then 12.24% to 20.24% variable)
$0
Enjoy a market-leading 0% intro APR on purchases and balance transfers for the first 20 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
0% for the first 15 months (then 14.49% to 21.49% variable)
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be variable. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% for the first 12 months (then 15.49% to 21.49% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
12x points at Hilton, 6x points on select business and travel and 3x points on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases within the first 3 months of card membership. Rates & fees
2x miles on Delta purchases and 1x miles on all other purchases
0% for the first 6 months (then 17.99% to 26.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Earn 70,000 bonus miles after you make $4,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe. Rates & fees
4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases
16.49% to 24.49% variable
$295
Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership. Rates & fees
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
N/A
$595
Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening. Rates & fees
2x points on purchases through Amex Travel and x points on all other purchases
N/A
$0 intro annual fee for the first year ($95 thereafter)
Earn 5,000 Membership Rewards® points after your first purchase on the card within the first year of card membership. Rates & fees
1.5% discount when you pay early
N/A
$0 intro annual fee for the first year ($250 thereafter)
Get a 1.5% discount when you pay early, with no cap on what you can earn back. Rates & fees
6x points at Marriott Bonvoy, 4x points at US restaurants, US gas stations and on US wireless telephone and shipping services, 2x points on all other purchases
17.99% to 26.99% variable
$125
Earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months of card membership. Rates & fees
2x miles on direct Delta purchases and 1x miles on all other purchases
0% for the first 6 months (then 17.99% to 26.99% variable)
$450
Earn 80,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $6,000 in purchases on your new card in your first 3 months. Rates & fees
2x miles on direct Delta purchases and 1x miles on all other purchases
0% for the first 6 months (then 17.99% to 26.99% variable)
$195
"Earn 5,000 Medallion Qualification Miles (MQMs) plus 80,000 bonus miles after spending $6,000 in the first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months. Rates & fees
7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases
N/A
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
N/A
N/A
$0
60-day interest-free financing for e-commerce businesses.
3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
18.24% to 23.24% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
0% for the first 12 months (then 15.49% to 21.49% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months

Compare up to 4 providers

Why choose a Citi business credit card?

  • Separate personal and business expenses. There can be many benefits to getting a business card, such as establishing business credit history, keeping your personal credit utilization low and acquiring employee cards.
  • You’re a regular customer with American Airlines or Costco. Citi’s business credit cards reward purchases with these brands.

Can a business card affect my personal credit?

Bottom line

Citi offers just two strong business credit cards if you can take advantage of their rewards. If you’re not sure if a Citi product is right for you, compare other business credit cards.

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