allCards receives compensation from some companies issuing financial products, like credit cards and bank accounts, that appear on this site. Unless a post is clearly marked "Sponsored", however, products mentioned in editorial articles and reviews are based on the author's subjective assessment of their value to readers, not compensation. Compensation may impact how and where products appear on non-editorial pages (e.g., comparison or "marketplace" pages). That said, our standard is that we will never accept advertising from a product which we wouldn't use ourselves.

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:
[unordered_list style=”star”]

  • 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

[unordered_list style=”tick”]

  • 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.