CitiBusiness Thank YouSM Card Review

A rewards card for your business is a great way to save some money. The CitiBusiness ThankYou® Card is a cash back business card that rewards you for your purchases. This card is for businesses who have already established a strong credit history. The card gives extra points in rotating categories, offers a competitive rate and doesn’t charge an annual fee. Here are the details:

CitiBusiness ThankYou® Card

  • Earn 15,000 bonus ThankYou® points after you make $3,000 in purchases within 3 months of cardmembership — redeemable for $150 in gift cards.
  • 0% introductory APR on purchases for 6 months. After that, 13.24% variable*
  • Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories*
  • Points do not expire and there is no cap to the ThankYou points you can earn.
  • Redeem points for great rewards from business supplies and merchandise to gift cards, travel rewards or even cash rewards
  • No Annual Fee*

Rates and Offers

The regular APR is 13.24%* (Variable), based on your creditworthiness. The card also gives a nice little introductory rate of 6 months*. Often we don’t see business cards offering these types of intro rates, so this is helpful if you need extra time on a large purchase.

Earning Rewards

The card comes packed full with a nice bonus offer. The card gives 15,000 bonus ThankYou(R) points after you make $3000 in purchases within 3 months of card membership. That breaks down to just spending $1,000 per month and that’s enough to get you $150 in gift cards.

In addition, you will also earn 3 ThankYou(R) points for every dollar spent on eligible purchases in rotating business categories. We don’t see many business cards that function with rotating categories. Let’s take a look at what the categories are:
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  • January-March: Office supply merchants, advertising services and professional services
  • April-June: Computer equipment merchants, software merchants and telecommunications merchants
  • July-September: Airlines, hotels and car rental merchants
  • October-December: Restaurants and entertainment

On everything outside the rotating categories you earn 1 point per $1 you spend. There are no limits on the amount you can earn and your points don’t expire. You can see how this could add up to a nice savings for a business.

Other Features

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  • Employee cards with the ability to set their credit and cash limit – plus earn ThankYou Points for employee purchases
  • 24/7 dedicated small business customer service
  • Track expenses with Quarterly and Annual Account Summaries
  • Retail Purchase Protection and Travel and Emergency Assistance


How to Apply for the CitiBusiness ThankYou® Card

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official Citi website. From this page, you can click on the apply now button to go to the CitiBusiness ThankYou® Card secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application.

To get started, visit the CitiBusiness ThankYou® Card official website.

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