We are an independent, advertising-supported comparison service. Our
goal is to help you make smarter financial decisions by providing you
with interactive tools and financial calculators, publishing original
and objective content, by enabling you to conduct research and compare
information for free - so that you can make financial decisions with
confidence.
Bankrate has partnerships with issuers including, but not limited to,
American Express, Bank of America, Capital One, Chase, Citi and
Discover.
Brendan Dyer is a Bankrate editor who writes and edits content for rewards, travel, cash back and business credit cards. He’s passionate about informing readers about the most innovative ways to use their credit cards and how synergistic multiple cards can be in the right hands.
The advice in this article is offered by the
team independent of any bank or credit card issuer.
This article may contain
from our partners, and terms may apply to offers linked or accessed through this page.
as of posting date, but offers mentioned may have expired.
The Bankrate promise
At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one
you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly,
people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit
card industry year-round to:
Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions.
Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience.
Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way,
we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
Editorial integrity
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first.
Our award-winning editors and reporters create honest and accurate content to help you make the right
financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have
editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial
content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and
our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you
make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced
by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked
to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and
dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master
your money for over four decades.
We continually strive to provide consumers with the expert advice and tools needed to
succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy,
so you can trust that our content is honest and accurate. Our award-winning editors and
reporters create honest and accurate content to help you make the right financial
decisions. The content created by our editorial
staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and
useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison
service. We are compensated in exchange for placement of sponsored products and
services, or by you clicking on certain links posted on our site. Therefore,
this compensation may impact how, where and in what order products appear within
listing categories, except where prohibited by law for our mortgage, home equity
and other home lending products. Other factors, such as our own proprietary
website rules and whether a product is offered in your area or at your
self-selected credit score range, can also impact how and where products appear
on this site. While we strive to provide a wide range of offers, Bankrate does not
include information about every financial or credit product or service.
Most major credit card issuers are known for offering specific types of cards, whether that includes cards within their own loyalty program (like Chase Ultimate Rewards or American Express Membership Rewards, for example) or credit cards co-branded with specific airlines and hotel brands.
Business cards are a common option, and Citi is no exception. Citi offers two business credit cards geared toward travel and wholesale club purchases, respectively. Keep reading to learn about Citi credit cards for business, their main highlights and who they’re best for — as well as a few consumer card options that can still provide value to small-business owners.
Citi® / AAdvantage Business™ World Elite Mastercard®
Rating: 4.1 stars out of 5
4.1
The CitiBusiness / AAdvantage Platinum Select Mastercard is the only Citi business credit card co-branded with an airline, so it’s a great option for business owners constantly in the air. The initial bonus on this card is generous, and its handful of different bonus categories is great if you have a varied spending strategy.
You can also qualify for a companion travel certificate after spending $30,000 or more each year and upon renewal, which lets a companion fly with you for just $99 (plus taxes and fees) in domestic economy. This is a nice perk for business owners who are sure to meet the spending requirement.
Pros
One checked bag free on domestic flights can save you on tedious airline fees.
Preferred boarding and 25 percent off in-flight Wi-Fi, food and beverages make for a convenient airport experience.
Cons
You cannot redeem miles for cash back or statement credits.
You can’t transfer miles to another airline or hotel partner, lacking the flexibility commonly found on general travel rewards cards.
Best for gas and bulk shopping
Costco Anywhere Visa® Business Card by Citi
The Costco Anywhere Visa® Business Card by Citi is a good option if your business requires you to drive frequently because it earns a boosted rewards rate at eligible gas and EV charging stations (for the first $7,000 per year, then 1 percent). It also rewards generously for restaurant, travel and Costco purchases. But as a store credit card its broader use is limited. Other than its rewards rates, this business card has scant benefits — so you’ll really want to make sure the Costco-specific rewards are worth it to you and your business. For instance, if you’re more interested in earning rewards on gas station purchases, there are a variety of other gas credit cards on the market.
Pros
Bonus cash back categories offer rewards at a higher rate than most no-annual-fee cards.
No foreign transaction fees make it a suitable card for international purchases.
Cons
It lacks a welcome offer, so you won't be able to maximize rewards in your first year with the card.
You can only redeem your rewards once per year, a stringent limitation that may be inconvenient for cardholders.
Best for flat-rate rewards
Citi Double Cash® Card
Rating: 4.2 stars out of 5
4.2
If you’re fixed on getting a Citi credit card but aren’t willing to go all-in on their business cards, a consumer credit card like the Citi Double Cash can serve the same purpose regarding your business spending. You can use it for all of the same purchases you’d make with a business credit card, but it doesn’t come with business-specific perks or benefits. However, depending on the nature of your business it might just be the right move.
The Citi Double Cash Card earns a flat rate of 2 percent cash back (1 percent when you buy, 1 percent when you pay) on all purchases, giving it the flexibility necessary to maximize rewards for several different expenses.
Pros
The same flat-rate on all purchases means you can use this card for business and personal spending without losing rewards value.
Since it doesn’t require the application materials that business credit card applications usually call for, it's a more accessible choice.
Cons
You won’t qualify for a credit limit typically found on business cards, which can sometimes be well over $50,000.
It lacks business-related perks and software integrations, which can sometimes provide value for business owners looking for value beyond points or cash back.
Best for travel
Citi Strata Premier℠ Card
Rating: 4.5 stars out of 5
4.5
The Citi Strata Premier Card could be a great choice for any business owner who travels frequently and wants the flexibility to redeem their travel miles with a variety of airline and hotel partners. Although you’ll pay a $95 annual fee, it carries generous rewards rates for travel purchases that can come in handy when your business takes you places.
Pros
Boosted rewards rates for travel purchases make it a fine addition to your wallet, whether you’re traveling for business or pleasure.
Your points are flexible and you’ll earn them at their boosted rates no matter what airline or hotel you use.
You can enjoy a $100 annual hotel credit for stays over $500 (excluding taxes and fees) when booked through CitiTravel.com.
Cons
The $95 annual fee might only be worth it if you can offset it with the card's annual hotel benefit.
Like the Citi Double Cash, this consumer card doesn’t carry any business-centric perks.
Before you choose a Citi business credit card, you should explore your alternatives (like consumer options from Citi or other top business credit cards on the market) and decide which card might work best for your needs. Here are some tips that can help:
Define your rewards preference: Look at where your business spends the most money to help you choose the best business card. Opt for a card that rewards you generously for your most frequent purchase categories.
Consider redemption options: Your redemption options will broaden considerably when you consider non-branded or general rewards cards. If none of the redemption options on the business cards sound appealing, both consumer Citi cards or another of the best small-business credit cards could be a better fit.
Compare annual fees: If you decide to pay an annual fee for a credit card, you should make sure you’re getting plenty of value in return. If you’d prefer to avoid paying a yearly fee to hold your business card, consider sifting through our guide to the best no-annual-fee business credit cards.
Frequently asked questions
Approval may depend on various factors, including your overall credit history, the card you’re applying for and the specific details of your application. If you want to explore options catered to your credit profile, consider using Bankrate’s CardMatch™ tool.
Citibank offers a variety of credit cards suited for individuals with different credit profiles, including those with limited or no credit history. That said, business cards are typically more difficult to get approved for than consumer cards. To increase your chances of approval, ensure you meet the income requirements and review the terms and conditions for each card before applying.
The bottom line
If you’re a business owner looking for a business credit card from Citi, we hope you aren’t picky. You also might want to consider one of Citi’s consumer credit cards to use for your business purchases if you’re married to the idea of going with Citi and its two business options don’t match your needs. Just make sure that you won’t be missing rewards in crucial business categories that another issuer might have the perfect card for. Plenty of options outside of Citi for business cards offer solid ongoing rewards rates — on everything from travel to business-specific purchases — and with a myriad of additional benefits.
*All information about the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® and Costco Anywhere Visa® Business Card by Citi has been collected independently by Bankrate and has not been reviewed or approved by the issuer.
Quick citation guide
Select a citation to automatically copy to clipboard.
APA:
Dyer, B. (2024, August 12). Best Citi credit cards for your business. Bankrate. Retrieved May 04, 2025, from https://www.bankrate.com/credit-cards/business/best-citi-business-credit-cards/
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MLA:
Dyer, Brendan. "Best Citi credit cards for your business." Bankrate. 12 August 2024, https://www.bankrate.com/credit-cards/business/best-citi-business-credit-cards/.
Copied to clipboard!
Chicago:
Dyer, Brendan. "Best Citi credit cards for your business." Bankrate. August 12, 2024. https://www.bankrate.com/credit-cards/business/best-citi-business-credit-cards/.
We are an independent, advertising-supported comparison service. Our
goal is to help you make smarter financial decisions by providing you
with interactive tools and financial calculators, publishing original
and objective content, by enabling you to conduct research and compare
information for free - so that you can make financial decisions with
confidence.
Bankrate has partnerships with issuers including, but not limited to,
American Express, Bank of America, Capital One, Chase, Citi and
Discover.
The Bankrate promise
At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one
you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly,
people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit
card industry year-round to:
Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions.
Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience.
Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way,
we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
Editorial integrity
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first.
Our award-winning editors and reporters create honest and accurate content to help you make the right
financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have
editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial
content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and
our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you
make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced
by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked
to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and
dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master
your money for over four decades.
We continually strive to provide consumers with the expert advice and tools needed to
succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy,
so you can trust that our content is honest and accurate. Our award-winning editors and
reporters create honest and accurate content to help you make the right financial
decisions. The content created by our editorial
staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and
useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison
service. We are compensated in exchange for placement of sponsored products and
services, or by you clicking on certain links posted on our site. Therefore,
this compensation may impact how, where and in what order products appear within
listing categories, except where prohibited by law for our mortgage, home equity
and other home lending products. Other factors, such as our own proprietary
website rules and whether a product is offered in your area or at your
self-selected credit score range, can also impact how and where products appear
on this site. While we strive to provide a wide range of offers, Bankrate does not
include information about every financial or credit product or service.
Quick citation guide
Select a citation to automatically copy to clipboard.
APA:
Dyer, B. (2024, August 12). Best Citi credit cards for your business. Bankrate. Retrieved May 04, 2025, from https://www.bankrate.com/credit-cards/business/best-citi-business-credit-cards/
Copied to clipboard!
MLA:
Dyer, Brendan. "Best Citi credit cards for your business." Bankrate. 12 August 2024, https://www.bankrate.com/credit-cards/business/best-citi-business-credit-cards/.
Copied to clipboard!
Chicago:
Dyer, Brendan. "Best Citi credit cards for your business." Bankrate. August 12, 2024. https://www.bankrate.com/credit-cards/business/best-citi-business-credit-cards/.
