When selecting a business credit card, it’s crucial to match your company’s spending patterns and cash-flow needs with the right mix of rewards, perks, and costs. Citibank offers several business-focused cards—including the CitiBusiness® Card, CitiBusiness® Platinum Select®, and CitiBusiness® AAdvantage®—each tailored to different priorities. The chart below summarizes their key attributes side-by-side, followed by guidance on choosing the ideal card for your business.
Citibank Business Credit Card Comparison Chart
| Feature / Card | CitiBusiness® Card | CitiBusiness® Platinum Select® | CitiBusiness® AAdvantage® |
|---|---|---|---|
| Annual Fee | $0/$95‡ after $5k spend in 3 mos | $95 (waived 1st yr) | $95 (waived 1st yr) |
| Sign-Up Bonus | 15,000 points after $5k in 3 mos | 75,000 points after $7.5k in 4 mos | 65,000 miles after $4k in 4 mos |
| Rewards Structure | 2 points/$1 on everyday business categories; 1 point/$1 all other purchases | 3 points/$1 on air travel & hotels; 2 points/$1 on gas, telecom, car rental; 1 point/$1 elsewhere | 2 miles/$1 on American Airlines, U.S. office supplies, telecom; 1 mile/$1 all other purchases |
| Intro APR Offer | 0% APR on purchases and balance transfers for 9 months* | None | None |
| Ongoing APR (Purchases) | 15.24%–25.24% Variable | 16.24%–26.24% Variable | 16.24%–26.24% Variable |
| Balance Transfer Fee | 3% of each transfer ($5 min) | 5% of each transfer ($5 min) | 5% of each transfer ($5 min) |
| Foreign Transaction Fee | 3% | 3% | None on AA purchases; 3% on others |
| Additional Benefits | Citi® Expense Manager; virtual account numbers | Priority Pass™ lounge access†; travel & purchase protections | First Checked Bag Free on AA flights; preferred boarding; travel protections |
| Best For | Small businesses seeking flat-rate rewards and no annual fee initially | Frequent travelers who value flexible points & lounge access | Businesses that travel on American Airlines frequently |
*Offer subject to change; see current terms at citi.com.
†Membership requires enrollment and incurs a fee per complimentary visit; see terms.
‡Annual fee waived first year if conditions met.
How to Choose the Right Card
- Prioritize Rewards Categories:
- If your business spends heavily on travel, lodging, and dining, the Platinum Select’s 3 points/$1 bonus categories and lounge access can deliver outsized value.
- For American Airlines–centric travel, Business AAdvantage provides accelerated miles and airline perks that translate directly into free flights and upgrades.
- Consider Fees vs. Benefits:
- The CitiBusiness® Card’s $0 first-year fee and 0% intro APR make it attractive for businesses planning large start-up purchases or balance transfers.
- Cards with annual fees ($95) must be justified by their ongoing rewards and benefits—calculate your break-even by estimating annual bonus-category spend.
- Evaluate Financing Needs:
- If you anticipate carrying a balance, a card with an intro APR (like the CitiBusiness® Card) may save you significant interest.
- Conversely, if you plan to pay in full each month, focus on maximizing rewards and perks instead of APR considerations.
- Leverage Additional Tools:
- All Citibank business cards integrate with Citi Expense Manager, simplifying reconciliation and expense reporting.
- Look for features like virtual account numbers for secure vendor payments.
Applying & Next Steps
- Check Pre-Qualification: Log in to your Citibank Online® account or contact your relationship manager to see which business cards you’re pre-qualified for—without impacting your credit score.
- Compare Offers: Visit citi.com/business to view the latest promotional terms and bonus offers.
- Apply Online: Complete a simple online form and receive an immediate decision in many cases.
Choosing the right Citibank business credit card can unlock savings, streamline expenses, and reward every dollar you spend—tailored to your company’s needs. Use this chart and guidance to identify the card that best supports your business goals.