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CitiBusiness ThankYou Card

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  • Designed for businesses with an established credit history
  • Earn 15,000 bonus ThankYou® points after you make $3000 in purchases within 3 months of cardmembership
  • Earn 3 ThankYou® points for every $1 spent on eligible business categories
  • Earn 1 ThankYou® point for every $1 spent 

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
0% 13.24%* (Variable) $0 N/A
  • Purchase Intro Period: 6 months
  • Balance Transfer Intro Rate: N/A
  • Balance Transfer Rate: N/A*
  • Cash Advance Rate: 21.99%* (Variable)
  • Late Fee: $15 on balances up to $100; $29 on balances of $100 up to $250; and $39 on balances of $250 and over
  • Cash advance Fee: 3%, Min: $5
  • Balance Transfer Fee: 3%, Min: $5
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Excellent Credit Score

CitiBusiness ThankYou Card Review

The Citi ThankYou Business Credit card is one of the best options in the Business Credit Cards category.  It has an exceptional rewards system for business purchases, offering best-in-class triple points for purchases in business categories.  These categories rotate quarterly, and include the following :

  • Jan-Mar: Office Supply merchants, Advertising services, and Professional services
  • Apr-Jun: Computer Equipment and Software merchants, Telecommunications merchants
  • Jul-Sept: Airlines, Hotels, Car Rental merchants
  • Oct-Dec: Restaurants and Entertainment

Our primary criticism of this card is that if there's one specific category where you regularly buy things, for example business travel, the Citi ThankYou business card's Rewards system will only award extra points in certain quarters.  As a result, if you're going to be using the card specifically for travel, we'd recommend a miles oriented business credit card like the Spark Miles for Business Credit Card or the Chase Ink Business Credit Card for office supplies.