CitiBusiness Online USA: A Comprehensive Guide

The CitiBusiness online platform offers a range of credit cards designed for small business owners and entrepreneurs. Among these, two popular options are the CitiBusiness/AAdvantage Platinum Select Mastercard* and the Costco Anywhere Visa Business Card by Citi*. In this article, we'll delve into the details of these cards, highlighting their benefits, drawbacks, and rewards.

CitiBusiness/AAdvantage Platinum Select Mastercard

The CitiBusiness/AAdvantage Platinum Select Mastercard is an excellent choice for business owners who frequently travel domestically. With a $99 annual fee (waived for the first 12 months), cardholders can earn an American Airlines Companion Certificate after spending $30,000 or more in purchases each year.

One of the standout features of this card is its rewards program. Cardholders earn 2 miles for every dollar spent on cable and satellite providers, select telecommunications merchants, eligible American Airlines purchases, car rentals, and gas stations, as well as 1 mile for every dollar spent on other purchases.

Additionally, the card offers a range of travel-related perks, including no foreign transaction fees, damage and theft protection, extended warranty, worldwide car rental insurance, and special access to tickets through Citi Entertainment. Cardholders also enjoy expert assistance via Citi Concierge for travel, shopping, and more.

However, one potential limitation is that the card has restrictions on rewards earning, although this may be mitigated for business owners who shop frequently at Costco.

Costco Anywhere Visa Business Card by Citi

The Costco Anywhere Visa Business Card by Citi is another popular option for small business owners. With no annual fee, cardholders can earn unlimited cash back rewards in various categories.

One of the standout features of this card is its capped rewards on gas and eligible purchases. Cardholders earn 4% cash back on eligible gas and EV charging purchases up to $7,000 per year, 1% thereafter. They also earn unlimited 3% cash back on restaurants and eligible travel purchases, as well as 2% cash back on purchases from Costco.

Another benefit of this card is its purchase protection features, including damage and theft protection.

However, one potential drawback is that the card does not offer a welcome bonus or rewards redemption options. Cardholders must also have a Costco membership to apply for the card, which can vary in price depending on location.

In conclusion, both the CitiBusiness/AAdvantage Platinum Select Mastercard and the Costco Anywhere Visa Business Card by Citi are excellent choices for small business owners seeking travel-related rewards or cash back rewards. While each card has its own set of benefits and drawbacks, understanding these details is essential to making an informed decision about which card best suits your business needs.

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