Citi® Business with ThankYou® Points

Quick Snapshot

• Annual Fee: $0
• APR: 17.49%-25.49% variable
• Rewards: 2X ThankYou points on dining and gas stations, 1X on everything else
• Bonus: 20,000 ThankYou points after spending $2,000 in the first 3 months
• Best For: Small business owners who want a no-fee card with ThankYou points earning, a 0% intro APR, and no penalty rate
• Credit Needed: Good to Excellent (670+)

Overview

The Citi Business with ThankYou Points is a no-annual-fee business card that earns 2X ThankYou points at restaurants and gas stations and 1X on all other purchases. It fills a unique niche for small business owners who want to earn flexible ThankYou points on business expenses without paying an annual fee. The 20,000-point welcome bonus after $2,000 in spending within 3 months is accessible and worth $200.

The standout feature for new business owners is the 0% intro APR for 12 months on purchases, which provides a valuable financing window for business startup costs or seasonal expenses. Combined with no penalty APR (your rate will never increase due to a late payment), this card is particularly forgiving for business owners who occasionally have cash flow fluctuations.

The 2X earning on dining and gas is modest but useful for businesses that entertain clients or have employees on the road. When paired with a personal Citi Strata Premier card, the ThankYou points earned on this business card become transferable to airline and hotel partners, adding significant value. The no-annual-fee, no-penalty-APR structure makes this a low-risk card that works well as a supporting card in a broader Citi ThankYou strategy.

APR Breakdown

• Purchase APR: 17.49%-25.49% variable
• Balance Transfer APR: 17.49%-25.49% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: None

Note: 0% intro APR for 12 months on purchases. After that, 17.49%-25.49% variable based on creditworthiness. No penalty APR.

Benefits Overview

Business Points Earning

• 2X ThankYou points at restaurants and dining establishments
• 2X ThankYou points at gas stations
• 1X ThankYou point on all other business purchases
• Points do not expire while the account is open

Intro APR and No Penalty

• 0% intro APR for 12 months on purchases
• No penalty APR ever -- rate never increases due to missed payments
• Regular variable APR of 17.49%-25.49% after intro period
• Competitive ongoing APR range for a business card

Business Card Features

• No annual fee
• Employee cards at no additional cost
• Online management tools and spending reports
• Year-end spending summary for tax preparation
• ThankYou points transferable to partners when paired with premium Citi card

Rewards & Points

• 2X ThankYou points at restaurants and gas stations
• 1X ThankYou point on all other purchases

ThankYou points earned on this card can be redeemed for cash back, gift cards, travel, and more. When combined with a Citi Strata Premier or Strata Elite personal card, points become transferable to airline and hotel loyalty programs, significantly increasing their potential value beyond 1 cent each.

Welcome Bonus

Earn 20,000 ThankYou points after spending $2,000 in purchases within the first 3 months of account opening. At a baseline value of 1 cent per point, this is worth $200. The $2,000 spending requirement is easily achieved with typical business expenses.

Fees Summary

• Annual Fee: $0
• Balance Transfer Fee: 3% of each transfer (min $5)
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Foreign Transaction Fee: 3%
• Late Payment Fee: Up to $41
• Returned Payment Fee: Up to $41
• Employee Card Fee: $0

Who This Card Is Best For

Ideal For

• New business owners who need 0% intro APR financing for startup costs
• Small businesses with variable cash flow who value no penalty APR if a payment is late
• Client entertainers who dine out frequently for business and want 2X on restaurants
• Citi ThankYou ecosystem users who want to pool business points with personal ThankYou cards

Not Good For

• International businesses due to the 3% foreign transaction fee
• High-reward seekers who want more than 2X on bonus categories and 1X on everything else
• Businesses not in the Citi ecosystem who cannot benefit from transfer partner access via a premium Citi personal card

Key Pros & Cons

Pros

• No annual fee for a ThankYou points-earning business card
• 0% intro APR for 12 months on purchases provides startup financing
• No penalty APR means your rate never increases from missed payments
• 2X on dining and gas covers common business expense categories
• 20,000-point welcome bonus after $2,000 in spending is accessible
• Points transferable to airline and hotel partners via premium Citi cards
• Employee cards at no additional cost
• Competitive ongoing APR starting at 17.49%
• Year-end spending summary simplifies tax preparation

Cons

• 3% foreign transaction fee hurts international business spending
• 2X earning limited to only two categories (dining and gas)
• 1X on all other spending is below the 2% flat-rate standard
• 20,000-point bonus is modest compared to many business cards
• Transfer partner access requires holding a separate premium personal Citi card
• 0% intro period of 12 months is shorter than some competitors
• No travel insurance or purchase protection benefits
• No intro APR on balance transfers

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

First-year value: $520 ($200 bonus + $320 rewards). The 0% intro APR for 12 months can save hundreds more in interest on startup expenses. With airline transfer partners, points can exceed 1.5 cents in value.

Should You Get This Card?

You Should Get It If...

• You own a small business and want a no-annual-fee card that earns ThankYou points
• You need 0% intro APR on business purchases to finance startup or seasonal costs
• You dine out for business regularly and want 2X on every restaurant bill
• You hold a Citi Strata Premier personally and want to pool business and personal points
• You want a business card with no penalty APR for cash flow peace of mind
• You want employee cards at no additional cost

You Should Skip It If...

• You do not have a business or side business
• You want higher earning rates on business-specific categories like office supplies
• You make international purchases frequently and want no foreign transaction fees
• You want a larger sign-up bonus than 20,000 points
• You prefer a flat-rate 2% business card with no category management
• You want premium travel protections on a business card

Apply Now

Apply for Citi® Business with ThankYou® Points

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.