CitiBusiness ThankYou® Card Review | finder.com

CitiBusiness ThankYou® Preferred Card

Note: This product is no longer offered.

Earn 15,000 ThankYou® points within your first three months of membership, and enjoy complimentary insurance policies with no annual fee.

The CitiBusiness ThankYou card offers the opportunity to earn 1.00 ThankYou® points for every $1 spent. But if that’s not enough, you can also earn 15,000 bonus points if you make $3,000 worth of purchases within your first three months. Thankyou® points can later be redeemed for a wide range of options, including gift cards for merchandise and restaurants, travel rewards and flight discounts, or even cash.

The card also comes with complimentary insurance coverage for all members, and automatic travel accident insurance for any trip ticket purchased using the card. With no annual fees and no additional costs for extra cards, the CitiBusiness ThankYou® Card is designed for both personal and business use.

Things to consider about CitiBusiness ThankYou Card

Before deciding whether to apply for a CitiBusiness ThankYou® Card, there are some important points to think about. The interest rate of is for the first months only. This rate then reverts to The card is available for business and personal use, and if you’re looking to add additional cardholders onto your account you can do so for no extra fee.

Features of the CitiBusiness ThankYou Card

  • No annual fees: CitiBusiness ThankYou card membership requires no annual fee but actually earns anniversary bonus points every year. There are no additional fees for additional cards.
  • Employee cards: You’ll no longer need to worry about planning for your employee’s travel costs alone, as the CitiBusiness ThankYou card allows you to give your employees their own cards. You can put limits on how much can be spent on the cards, and easily adjust those numbers in case of unexpected needs. Setting these limits can be done through the phone.
  • Global acceptance: CitiBusiness ThankYou cards are accepted all around the world, so there’s no need to worry about whether or not a purchase will go through, wherever your travels take you.
  • Online account management: Quarterly and annual account summaries are available online to help you keep track of expenditures, and your taxes. These reports also come in handy when tracking employee spending.
  • interest rate: There is a p.a. interest rate for the first months after your account opening with a variable rate of thereafter.

About the rewards program

  • Earn 3.00 ThankYou® points for every $1 spent on eligible products or 1.00 ThankYou® point for $1 spent on other purchases
  • There is no limit on the amount of ThankYou® points one can earn and no expiration date on earned points
  • CitiBusiness offers members two simple ways to redeem earned points. You can either call 1800-THANKYOU or visit thankyou.com to redeem your ThankYou® points. Redeemed points can be used for either personal or business merchandise such as business supplies, gift cards, travel equipment or can even be transferred to cash.
  • CitiBusiness offers 100 bonus ThankYou® points for registering to Citi online and another 100 points for registering for paperless statements
  • 15,000 bonus points are awarded after spending $3,000 in your first three months as a member. These points are equivalent to $150 in gift cards

Complimentary insurance policies

Your CitiBusiness ThankYou card comes with a few complimentary insurance policies to keep you protected when using your card.

  • Automatic travel accident insurance: Every time you use your Citi ThankYou card to buy bus, train or plane tickets, you are automatically covered by the Common Carrier Travel Accident insurance at no extra cost. This insurance cover will apply for you, your spouse and other dependents.
  • Auto rental insurance: Use your ThankYou card to pay for a rental car and you will benefit from insurance on any damage to or theft of the car. This is only applicable if you turn down the collision/damage waiver insurance offered by the car rental company.
  • Extended warranty: Benefit from extended warranty on most of the goods you purchase with your ThankYou card, with extended periods of up to one year.
  • Retail purchase protection: Most of the items you purchase using your CitiBusiness ThankYou card will be covered against theft, fire or accidental breakage for up to 90 days from the purchase date. The insurance covers up to $10,000 for every incident and is limited to $50,000 annually.
  • Identity theft solutions: Citi offers you help to keep your business running after identity theft. They also provide you with specialists to help with the reorganization and re-establishment of your credit and to help you recover your identity.

Compare other Citi credit cards

Rates last updated February 22nd, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Citi® Double Cash Card
14.74% to 24.74% variable
0% Intro APR for 18 months (with the amount of each transfer, $5 or 3% balance transfer fee)
$0
Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
Citi ThankYou® Preferred Card
14.74% to 24.74% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Enjoy our low intro APR for 15 months on purchases and balance transfers.
Citi® Secured Mastercard®
23.74% variable
$0
Start building credit for tomorrow with a secured credit card.
AT&T Access Card from Citi
15.24% to 24.24% variable
$0
Get rewarded for purchases you're already making with the AT&T Access Card, a top rewards credit card from Citi. Apply for the AT&T credit card today and start earning ThankYou® Points redeemable for gift cards, travel rewards electronics and much more.
Citi Simplicity® Card
15.24% to 25.24% variable
0% Intro APR for 18 months from date of first transfer; completed within 4 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
This is the only card with No Late Fees, No Penalty Rate and No Annual Fee - Ever. Give it a try and apply to find out what the Citi Simplicity® Card can do for you.
Citi Prestige® Card
16.99% to 24.99% variable
$450 for the primary cardmember
Complimentary 4th night stay at any hotel of your choice after a minimum 4-consecutive night booking through ThankYou.com
Costco Anywhere Visa® Card by Citi
16.49% variable
$0
Earn Costco cash rewards everywhere Visa® is accepted.
Citi® Diamond Preferred®
14.24% to 24.24% variable
0% Intro APR for 21 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Lowest intro APR for 21 months plus VIP Access.
Citi® / AAdvantage® Executive World Elite™ Mastercard®
16.99% to 24.99% variable
$450
Earn 50000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening.
Citi® / AAdvantage®  Platinum Select®  World Elite™ Mastercard®
17.24% to 25.24% variable
$0 annual fee for the first year ($95 thereafter)
Earn 60000 AAdvantage® bonus miles after you spend $3,000 in the first 3 months.
Citibank AT&T Universal Savings and Rewards Card
13.99% to 23.99% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn 10000 bonus ThankYou Points after spending $500 in your first 3 months.
Citibank AT&T Universal Savings Platinum Card
13.99% to 23.99% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Citi ThankYou® Preferred Card for College Students
15.74% to 25.74% variable
$0
Earn 2500 bonus points after spending $500 within the first 3 months of account opening.
Citi Gold / AAdvantage World Mastercard
16.99% to 24.99% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0 annual fee for the first year ($50 thereafter)
Earn 25000 American Airlines AAdvantage® bonus miles after you spend $750 in purchases within the first 3 months of account opening.
Citi ThankYou® Premier Card
15.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy Great Rewards and Earn ThankYou® Points on Dining, Entertainment, Travel and more

Compare up to 4 providers

How to apply for the CitiBusiness ThankYou Card

Here are a few things that you might be requested to provide:

  • Full legal name, street address, date of birth, identification
  • Business legal name and taxpayer identification number
  • Financial details, income statements, assets and liabilities.

To be eligible for CitiBusiness ThankYou card you must:

  • Be above 18 years of age
  • Have a good credit rating

Compare Citibank credit cards

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and our Privacy Policy.
Go to site