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Credit-Land's Review of the CitiBusiness ThankYou Credit Card


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Credit Card Applications » Research » Reviews » Citibank » CitiBusiness ThankYou Card: Triple ThankYou Points and a 15,000 Point Sign-On Bonus

CitiBusiness ThankYou Card: Triple ThankYou Points and a 15,000 Point Sign-On Bonus

Updated: April 14, 2015
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CitiBusiness ThankYou Card: Triple ThankYou Points and a 15,000 Point Sign-On Bonus
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The CitiBusiness ThankYou® Card feels a lot like a regular consumer cash back credit card, but with a difference. The cash back categories that rotate each quarter are designed with the needs of small businesses in mind. This card is geared toward businesses who want to earn rewards for every dollar they spend, but don’t want to pay an annual fee.

Credit level recommended:

Excellent Credit
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

APR on purchases: A 6-month introductory rate of 0% on purchases is followed by a regular APR of 13.24% (Variable)

Annual fee: None

CitiBusiness ThankYou card - Anniversary bonuses on total rewards earned

Special offers: After spending $3,000 in the first three months, cardmembers will get 15,000 bonus ThankYou points. Cardmembers also get an anniversary bonus each year, equal to up to 3% of their earned ThankYou points.

Earn 3% Rewards in Rotating Business Categories

Earning rewards: Cardholders will earn three ThankYou points per dollar spent in rotating categories specially selected for businesses. January to March, bonus points are earned at office supply stores and for advertising. From April to June, it’s computer equipment and telecommunications. July to September, airlines, hotels, and car rentals will earn you bonus points, and from October to December it’s restaurants and entertainment bonus time. All other purchases get one point per dollar spent. There is no limit on earning points, and they don’t expire as long as your account is active and in good standing.

Redeeming rewards: Points are redeemed through the ThankYou network, which lets you turn your points into gift cards, merchandise, cash rewards, or charitable donations. There are hundreds of retailers to choose from, like Amazon, Apple, Canon, Microsoft and many, many more. Points can be redeemed for travel through the Citi ThankYou Travel Center and used toward airfare, hotels, car rental, train tickets, and more. Points can generally be exchanged at a rate of 10,000 points per $100.

Benefits: Citi offers specialized small business customer service support 24/7, purchase protection, travel assistance, and expense tracking with annual account summaries to make tax time a snap. This card also gives employers the ability to set limits on employee cards, limiting how much they can spend and how much cash they can withdraw. Earn ThankYou points for all your employees’ purchases: give cards to everyone in the office to maximize rewards.

CitiBusiness ThankYou® Card

CitiBusiness ThankYou® Card Expert Rating: experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.


If you’re looking for a VIP business credit card, look elsewhere – this card doesn’t offer airport lounge access or huge travel rewards. But if you want a basic business cash back card that offers good rewards and the great customer service, this could be the card for you. Many cash back cards with rotating categories put a cap on how much you can earn back during each quarter, but not CitiBusiness ThankYou. The 3-points-per-dollar bonus categories offer unlimited point-earning potential, along with great benefits like flexible rewards redemption, employee cards, purchase protection and expense tracking to make end-of-year reports easier.

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