Table of Contents
- Intro
- Card Comparisons
- Summary
- Full Review
- Q&A
- Consumer Reviews
Summary
Business owners have many cards to choose from, and—sometimes—it makes sense to carry a few in your wallet for the everyday expenses that companies face. If you’re a professional who travels quite a bit, you can’t beat the ROI of a quality airline-branded business card. In fact, it’s a must-have for anyone who needs to check a bag or use wi-fi on the flight. The promises free bags and discounts, in addition to an attractive bonus offer the first year. .
Not going anywhere? Costco business members have plenty of perks to choose from with the . You simply must have a VISA card in your wallet these days, so why not get one with no annual fee with your Costco membership and a very attractive points back offer on each dollar of gas you buy. If you own a business with fleet vehicles or use a Costco membership for resale goods, you can’t go wrong with this card, which has no intro offer but rather high-value perks for all members for the life of the card.
Citi Business Credit Card Reviews
Check out our latest review of two of the top business credit cards available today.
Jumpstart saving for your next trip with an attractive sign-up bonus offer. with the current welcome offer. No annual fee ($99 after the first year), makes the popular hard to beat for frequent travelers of the award-winning airline.
There is also a long list of travel-related perks that come with the card. One of the best values is the free checked bag with each domestic flight, a value of $30 or more. If you take just two round trip flights a year, this perk pays for the annual fee, alone. Add in 25% off for inflight WiFi services, earlier boarding than standard ticket holders.
(Note that the checked bag and upgraded seating perks are valid for all member of your group when you book and fly together; team members traveling together and using your card all get to take advantage of this offer, easily giving extra value to an already competitive card.)
The intro offer for this card isn’t as competitive as some of those offered in the past, but it’s a good value for travel business cards and easily rivals other current travel card promos on the market today.
Some restrictions apply. Miles cannot be earned for cash advances, balance transfers, or certain other purchases, such as lottery tickets or gambling transactions.
The card also comes with an attractive benefit of a free American Airlines Companion Certificate that can be used for domestic main cabin travel when you spend $30,000 or more in purchases each cardmember year and is redeemable after your first year has completed. If you expect to fly a lot, it makes sense to try this card out with the first-year waived annual fee, get the bonus miles, spend an additional $20,000 and get the free companion ticket, and try the card again for a very modest $99 annual fee. The savings opportunities for American Airlines loyal flyers are almost unlimited.
Costco club members pay no annual fee with their paid warehouse membership, and the competitive cash back on fuel makes this card a top pick for business owners who drive often. Earn There is no limit to rewards, and your credit card doubles as your Costco membership card. Show it at checkout to get great deals on Costco merchandise, charge your purchase to your account, and build those rewards for an unlimited payout when your reward certificate is issued in February.
This card has a lower rate than some other retail and warehouse club cards, so use it for your in-store purchases, online at the Costco website, and wherever you shop. You’ll be getting points for all your business purchases, and team members and employees who are issued cards can be added to your account for even faster reward earnings.
In order to take advantage of the rewards, be sure to keep your club membership and your credit card account open and in good standing. There is no bonus offer or intro offer for the just high-value rewards on everything you buy. You won’t have to track spending or try to get so many purchases made within a special intro period. Your rewards accrue as you shop, on your own timeline. You’ll also be building your business credit profile while you make those essential purchases your company needs.
Is a Citi Card for You?
There is no shortage of business credit cards available in the marketplace right now, and there are usually two considerations applicants make when deciding when one is best for their current financial situation.
The first question to ask is “does this card fit my current spending patterns?”
For someone who travels a lot, an airline-branded business card makes sense because it gives you above-average earnings on airline purchases and can give the loyal traveler fast rewards. It can also benefit the cardholder with free checked bags and discounts on in-flight buys. If you don’t fly often, a retail business card may be more your speed, giving you the maximum earnings on items bought in-store, with rewards as good as cash if you want to continue shopping in the future.
These are both examples of how both the and fits existing spending patterns to maximize rewards and save big money over the life of the card.
The second question to ask is “what bonus offers or promos can I take advantage of?”
With the Costco card mentioned above, there is no promo offer. What you get when you sign up is the standard rates, fees, and rewards that all cardholders get, and this likely won’t change during your membership. The does have an offer going on right now, and it’s getting attention as a valuable way to earn miles fast – even when used to buy fuel, pay for a cell phone, or getting groceries. With the potential to get bonus miles in the first year (in addition to your regular miles), it’s worth considering, regardless of where you shop.
Frequently Asked Questions
Where can I learn more about the Citi AAdvantage business card 75000 offer?
. While the has offered larger bonus offers in the past, including one for 75,000 miles when spending $7,500 in 4 months, these are expired. To take advantage of the current bonus offer for the , apply today.
Who is eligible for the bonus points offer?
New card members who do not already have a business card are eligible to open a new one under the terms of the bonus offer. Note that Citi limits these bonus offers to anyone who has not opened or closed a card in the past 24 months. You may only sign up for this offer once.
Can I apply for both the and the ?
You can apply for any or all of the cards you are interested in and feel that you qualify to have approved. However, each application will result in an inquiry on your credit report, and too many inquiries within a short time period may lower your credit score too much. Some applicants choose, instead, to stagger out their applications, every six months or so. The best way to know if you’ll be approved, however, is to get both your personal and business credit scores at the time you wish to apply, and see if they are suitable for the card you are applying for.
Citi has the final say on who gets approved, and only they can determine if you would qualify for both cards. In some instances, especially for those who shop Costco frequently and are loyal to American Airlines, it may make sense to have both cards in your wallet.
Can I earn companion tickets with my credit card?
For the , there is an added bonus of an American Airlines Companion Certificate valid for domestic main cabin travel after you spend $30,000 or more in purchases. It Is limited to one per cardmember per year and is available after your card has been renewed for the year at the annual fee cost.
How do I pay my business Citi credit cards?
You can pay your card by calling the number on the back of your card or visiting the Citi official website. Costco does not take credit cards payments in-store at this time.
How will I get my credit card rewards?
Rewards are calculated and paid out according to each card’s terms.
The pays out rewards accumulated every February in the form of a rewards certificate, which must be redeemed in-store for merchandise. The balance remaining after purchase may be paid out in cash in certain instances, a check may be requested for the full value of the reward certificate. Rewards will only be paid to card members in good standing who are also Costco members at the time of disbursement.
When will my bonus reward miles be paid out?
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Miles are added to your monthly loyalty membership statement, after each billing statement is created. They are available to use as soon as they are credited to your account. They never expire as long as your rewards account remains in good standing.