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Type Credit Needed Annual Fee Intro APR Standard APR Rewards Grace Period Category

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MasterCard Excellent Credit $0 0.00% for 12 months on Purchases 9.99% Other 20 DaysBusiness  

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CitiBusiness Card with ThankYou NetworkSM

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CitiBusiness® Card with ThankYou NetworkSM(SM)

Quick Summary:
This MasterCard rewards card is issued by Citibank and offers unique rewards not listed in our current rewards categories. This card is restricted to business owners with a nearly perfect credit history. You may need proof of business ownership or involvement before finalization of the card acceptance. APR's may vary among applicants, however the lowest standard APR is 9.99%.

APR's:
There is an introductory APR as low as 0.00% for 12 months. This intro rate only applies towards purchases. Be cautious that some card issuers may charge higher rates and fees for cash advances.

The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 4.99% to the U.S. prime rate.

Rewards:
This is a rewards card that offers unique rewards. Due to this card's diversity, the rewards are not categorized specifically in Finance Globe's rewards sections.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great or nearly perfect credit record. A FICO score of at least 764 is recommended for a higher chance of approval for the CitiBusiness® Card with ThankYou NetworkSM(SM), but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
The grace period listed for the CitiBusiness® Card with ThankYou NetworkSM(SM) is at least 20 days. So interest charges will not be applied during those days.

This card is intended for business owners. You will normally need your basic business information, including your Federal tax I.D. number and business phone and address when applying for this offer.

This card contains the brand of MasterCard, where acceptance is global. Most businesses that accept credit cards will accept MasterCard as a form of payment.

Approval Rate:
The approval rate for this card is good from a scale of 1 to 5, currently at a 4. If you believe that you fall into the credit record of "Excellent Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 764, then your chance of approval may be greater than other applicants.

Approval Time:
Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved.

Offer Details:


  • 0% APR on purchases for 12 months*
  • 10,000 ThankYou® Points after $250 in purchases, redeemable for a $100 gift card*
  • 3 ThankYou Points for each dollar spent on eligible purchases at certain office supply merchants and on professional services.*
  • 1 ThankYou Point for every dollar you spend on other purchases.*
  • No Annual Fee
  • Additional cards for employees with credit limits you set.



*Please view and verify the card offer's terms and conditions regarding interest rate, fees, grace periods, approval time and other information before applying.

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Business Card Rate Comparison

APR9.99%
Avg. APR**10.55%
Annual Fee$0
Avg. Annual Fee**$5.83

**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Business cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

Options: View rates and fees for all cards.

 

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