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CitiBusiness Review: A Credit Card for Small Businesses

Business Credit Cards, Credit Cards
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The CitiBusiness® World Card offers a rewards program and credit line for small business owners, especially those in the early stages of rounding up the staplers and coffeemakers essential to any successful office. If you’re gathering up the cubicle necessities, the CitiBusiness® World Card can help.

Introductions and incentives

Purchases with the CitiBusiness® World Card will earn you rewards in the form of ThankYou Points, which are redeemable for gift cards, travel, electronics, media and cash. You receive 3 points for every dollar spent at certain office supply merchants and on professional services. All other purchases are eligible for 1 point per dollar. Right now, Citi is offering a sign-up bonus: 10,000 Citi ThankYou Points Bonus after spending $300 - in the first 3 months.

The CitiBusiness® World Card also comes with a 0% introductory period: 0% for 6 months on purchases, and then the ongoing APR of 13.99% Variable. If you need to put money down for a bundle of office supplies, you can do so without paying interest for half a year. The card offers auto rental insurance, travel accident insurance, extended warranties and purchase protection to keep you safe from unexpected business misfortunes. Considering the CitiBusiness does not charge an annual fee, it’s not a bad offer.

Better choices

While the CitiBusiness® World Card is suitable for very small businesses in need of basic office supplies, there are a handful of other business credit cards that offer better rewards for bigger spenders. Our favorite business rewards credit card is the Ink Business Cash℠ Credit Card, which has a steep rewards rate and earns you cash at a dollar per point. With the CitiBusiness® World Card, you can redeem ThankYou Points for cash, but you’ll only get about .625 cents to the points. You have to redeem for other options to get the full value of your rewards. The CitiBusiness® World Card is strictly cash and earns rewards at 5% cash back on office supplies, cable and telecom services, 2% cash back on gas and restaurants (up to the first $25k spent annually in each category), and 1% cash back everywhere else.

Like the CitiBusiness® World Card, the Ink Business Cash℠ Credit Card’s annual fee is $0. With potential to earn high cash-back rewards on office supplies and travel expenses, the CitiBusiness® World Card outstrips other small business cards in most regards.