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Compare top Citi business cards

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

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

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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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 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®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® logo
Credit recommended (670-850)
Read review
670
Min. credit score
$99 ongoing
Annual fee
Up to2x
Miles
65,000
Miles welcome offer
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.
  • 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.
  • 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.
Annual Fee $0 intro annual fee for the first year ($99 thereafter)
Purchase APR 15.99% to 24.99% variable
Balance transfer APR N/A
Welcome offer65,000 miles after spending $4,000 in first 4 months
Estimated welcome offer value
Rewards2x miles on American Airlines, gas stations and select business categories and 1x miles on all other purchases
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.

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

Costco Anywhere Visa® Business Card logo
Credit recommended (740-850)
Read review
740
Min. credit score
$0
Annual fee
Up to4%
Cash back
n/a
Welcome offer
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.
  • 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.
  • 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.
Annual Fee $0
Purchase APR 15.24% variable
Balance transfer APR N/A
Welcome offerN/A
Estimated welcome offer value
Rewards4% 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
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.

How to choose the best Citi business card

Citi doesn’t have as many small business credit cards as other providers, so it shouldn’t be hard to choose between them. Consider the rewards you’ll receive and whether you can take advantage of them.
  • Do you often fly with American Airlines? You can earn rewards on American Airlines and their Oneworld Alliance partners with the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®.
  • Does your business spend mostly on gas, dining, travel and Costco purchases? In this case, the Costco Anywhere Visa® Business Card is the way to go.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®Costco Anywhere Visa® Business Card
Rewards
  • 2x miles on American Airlines purchases
  • 2x miles on gas, car rentals and telecommunications purchases
  • 1x miles on all other purchases
  • 4% cash back on eligible gas
  • 3% cash back on dining and travel
  • 2% cash back on Costco and online Costco purchases
  • 1% cash back on all other purchases.
Signup bonus65,000 American Airlines AAdvantage bonus miles after you spend $4,000 in the first 4 monthsNo signup bonus
Other benefits
  • Preferred boarding
  • 25% savings on American Airlines inflight food, beverages and WiFi
  • First checked bag free on domestic American Airlines flights for you and up to four companions
Use the card as a Costco membership ID
Annual fee$0 intro annual fee for the first year, $99 thereafter$0 annual fee with a Costco membership

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?

Unlike other card providers that offer general rewards cards, with Citi business credit cards, you know what you get. Businesses that use Costco or Americal Airlines on a regular basis should be the first to consider these cards. What’s more, you don’t get only brand-specific perks, there are also features that can help you simplify your finances.

  • 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.
Name Product Rewards Purchase APR Annual fee
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
Brex 30 Card
8x points on rideshares, 5x on Brex Travel, 4x at restaurants, 3x on software subscriptions and 1x points on all other purchases
N/A
$0
The first corporate card for startups. No personal guarantee or security deposit needed, meaning your personal credit score won't be affected.
Divvy Business Credit Card
Monthly: 2x on restaurants, 2x on hotels, 1.5x on recurring software subscriptions, 1x on everything else
Semi-monthly: 4x on restaurants, 3x on hotels, 1.75x on recurring software subscriptions, 1x on everything else
Weekly: 7x on restaurants, 5x on hotels, 2x on recurring software subscriptions, 1.5x on everything else
Pay balance in full according to your payment schedule
$0
Earns more points per eligible category based on how often you pay your credit card balance.
Sam's Club® Business Mastercard®
Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases
14.9% to 22.9% variable
$0
Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases. No personal guarantee required.
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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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