Edited by: Keri Stooksbury
& Kellie Jez
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The right business credit card serves as a tool to help you keep track of your business purchases, manage your finances, and even fund major purchases.
Having a business card that earns rewards can also help offset business travel expenses or add revenue to your bottom line.
Credit card issuer Citibank does not issue a lot of business credit cards, but there are 2 that could potentially add value to specific businesses.
If your business shops a lot at Costco warehouse stores (and Costco.com) or if American Airlines is your choice of air carriers, your business might benefit from one of the cards we’re going to discuss today.
Let’s look more closely at Citi’s business card offerings and see if your business could find value in either of these cards.
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If you find yourself making a lot of business purchases at Costco, you may benefit from the Costco Anywhere Business card.
The card supports your Costco membership by allowing you to stack rewards and take advantage of special offers and delivers cash-back that can help your business’s bottom line.
We like that the Costco Anywhere Business card earns rewards on every purchase your business makes, including non-Costco purchases.
If your business has a Business Executive Membership with Costco ($120/year), you can receive 2% rewards on eligible purchases in addition to the 2% cash-back on purchases made with your Costco Anywhere Business card. That’s a total of 4% of your purchases in rewards.
You can use your cash-back annual rewards certificate towards additional purchases at Costco or receive cash.
The Costco Anywhere Business card can be used to leverage your Costco business membership to get the best deals possible on your purchases and also get cash-back.
For complete terms and conditions, please access the Citi Guide to Benefits.
Although the CitiBusiness Platinum Select card is designed to reward loyal American Airlines flyers, the card also earns elevated rewards on common business expenses such as telecommunication and cable. Additionally, if your business spends a lot on gas and car rentals, you’ll find those purchases will earn double miles.
Redeeming American Airlines frequent flyer miles for award flights can also offset the cost of business travel. There is no charge to add authorized users, including employees, to the card.
If you’re looking for earnings on every purchase your business makes, the Amex Blue Business Cash card could be an appropriate choice. The card earns 2% cash-back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement – it’s that simple.
If you’re looking for a 0% APR business credit card, then the Amex Blue Business Cash is a solid option that allows you to spread repayment out over time without incurring high-interest charges.
Having a Chase business card that earns valuable Chase Ultimate Rewards points is a smart move. Points can be easily redeemed for cash-back or transferred to premium Chase credit cards like the Ink Business Preferred® Credit Card and redeemed for travel for 25% more in value.
If your business involves travel and you’d like a travel rewards card without an annual fee, the Ink Business Cash card is worthy of consideration considering the benefits that come with the card.
A premium travel rewards card earns flexible rewards that can be redeemed for travel, has travel-related benefits, and normally includes other cost-saving features. These features can include perks such as statement credits, complimentary elite status, or even cell phone coverage.
Here’s a look at 2 alternative premium travel rewards cards we recommend:
Be sure to note that terms apply and enrollment may be required so explore your American Express account to ensure you’re getting the most out of your Amex Business Platinum card benefits.
For more information on the best American Express business credit cards, access our list of recommendations.
Additionally, you’ll find a long list of travel-related benefits such as primary car rental insurance, trip cancellation, interruption, and delay coverage, roadside dispatch, and baggage insurance.
To learn more about Chase business credit cards, check out our overview of the top Chase business cards.
Both of Citi’s business credit cards recommend excellent credit to be approved. With excellent credit, you’ll have your choice of some of the best available business travel rewards cards.
However, if your largest business expenses are Costco purchases or you value American Airlines perks and miles, one of the Citi business cards could certainly add value to your business.
The information regarding the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Citi doesn’t issue a lot of business cards but the Costco Anywhere Business card and the CitiBusiness Platinum Select card can add value to specific businesses.
If your business shops a lot at Costco, having the Costco Anywhere Business card can compliment your membership. You’ll be able to get the best deals on your purchases, earn rewards with a premium membership, and earn additional cash-back rewards for charges made on the card.
If your business travel involves loyalty to American Airlines, you’ll benefit from the CitiBusiness Platinum Select card. Airline perks like a free checked bag, priority boarding, and earning double miles can all be beneficial for traveling with the airline.
Cash Rewards are issued each year on the February billing statement. If you do not use your Cash Rewards certificate by December 31 of the year the certificate is issued, the rewards will be forfeited.
If your Costco Anywhere card account is closed prior to the February statement, any rewards not issued in a certificate will be forfeited.
The Costco Anywhere Business card does not charge an annual fee but you must be a member at Costco to get the card.
A business membership at Costco costs $60 or upgrade to a Business Executive Membership for $120. The Executive Membership allows you to receive 2% rewards on certain purchases and pairs well with the Costco Anywhere Business card.
You will need excellent credit to secure either of the Citi business credit cards.
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