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Compare top Citi business cards

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

Updated

Citi — a finder.com advertising partner — offers two business credit cards. 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® Mastercard® and Costco Anywhere Visa® Business Card by Citi.

Data indicated here is updated regularly
Name Product Rewards Purchase APR Annual fee
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
2x miles on American Airlines, gas stations and select business categories and 1x miles on all other purchases
15.99% to 24.99% variable
$0 intro annual fee for the first year ($99 thereafter)
65,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening. All information about this card has been collected independently by Finder.
Costco Anywhere Visa® Business Card
4% cash back on gas on up to $7,000 annually (then 1%), 4% on dining and travel, 2% at Costco and 1% on all other purchases
15.24% variable
$0
Earn 4% cash back on gas on up to $7,000 annually (then 1%), 4% on dining and travel, 2% at Costco and 1% on all other purchases. All information about this card has been collected independently by Finder.
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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.

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

The information about CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has been collected independently by Finder and and has not been reviewed or provided by the issuer.

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. In addition, you get to earn a generous signup bonus and you won’t pay an annual fee.

The perks
  • Annual fee: Waived for the first year.
    You won’t have to worry about paying the annual fee in your first year. Starting the second year, you’ll pay $99 annually.
  • Signup bonus: 65,000 American Airlines AAdvantage bonus miles.
    Spend $4,000 on purchases within the first 4 months of card membership to earn this bonus. It’s a strong signup bonus, worth almost $1,000 since each mile is typically worth around 1.4 cents.
  • Rewards: Up to 2x miles.
    Earn 2x miles on eligible American Airlines purchases and on gas, car rentals and telecommunications purchases. Earn 1x miles on all other purchases.
  • American Airlines benefits.
    Get preferred boarding, a free checked bag on each flight and an American Airlines Companion Certificate each year you spend $30,000 or more in purchases and renew your card membership.
What to watch out for
  • Annual fee.
    Starting the second year, you’ll pay an annual fee of $99.
  • Penalty APR.
    Citi may apply a penalty APR of up to 29.99% variable to all of your balances if you make a late or returned payment.

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

The information about Costco Anywhere Visa® Business Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.

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. But if you’re looking to earn a signup bonus or get reward redemption flexibility, you may want to look for other business credit cards.

The perks
  • Annual fee: None with paid Costco membership.
    This is a great card if you already have a Costco membership, as it costs nothing extra to open an account.
  • Rewards: Up to 4% cash back.
    Earn 4% cash back on eligible gas, 3% on dining and travel, 2% on Costco and online Costco purchases and 1% on all other purchases. If you have a fleet of vehicles and you want to get discounts on your business gas purchases, check out the Shell credit card for small businesses.
  • Purchase and travel protection.
    Enjoy extended warranties, car rental insurance, travel and emergency assistance, and more.
What to watch out for
  • Redeem rewards once a year.
    You can’t redeem rewards whenever you’d like. Instead, you’ll receive your cash back as an annual credit card reward certificate.
  • Penalty APR.
    Citi may apply a penalty APR of up to 29.99% variable to all of your balances if you make a late or returned payment.

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.

If you want to earn rewards on American Airlines and their Oneworld Alliance partners, consider the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®.

But if you spend most of your money on gas, dining, travel and Costco purchases, the Costco Anywhere Visa® Business Card is the way to go.

Want to earn more American Airlines miles?

If you often fly with American Airlines and their partners, consider combining personal American Airlines cobranded cards with small business credit cards. This way you’ll maximize the rewards you earn and the perks you get.

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, plus you get a lot of brand-specific perks, such as your first checked bag free and savings on in-flight Wi-FI with the American Airlines card.
  • Don’t want your business card to affect your personal credit. Citi business credit cards don’t report card activity to personal credit bureaus, meaning your personal credit score won’t be affected if you miss a payment on your Citi business credit card.

Alternative business cards

If you rarely fly with American Airlines, or if your business doesn’t spend much on gas and travel, there are other business credit cards to consider. You can choose from cards with rewards on office supplies, Internet and wireless services or shipping, or you can get a card with flexible balance payment options.

Data indicated here is updated regularly
Name Product Rewards Purchase APR Annual fee
Brex for Startups
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.
Brex for Ecommerce
N/A
N/A
$0
60-day interest-free financing for e-commerce businesses.
Universal Premium Mastercard®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
27.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
BP Business Solutions Mastercard®
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month
27.24% variable
Up to $120
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month.
ARCO Business Solutions Fuel Card
18.24% to 27.24% variable
Up to $180
The ARCO Business Solutions Fuel Card gives your drivers access to greater performance with high quality fuels at ARCO locations. The card provides fleet managers with detailed reporting and individual spending controls for each and every driver.
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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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