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Credit Card Review: CitiBusiness World Card

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Citi BusinessWhen you’re running a business, you need all the help you can get. With the CitiBusiness World Card, you get rewards for your everyday business expenses.

You also get some pretty cool management tools. You can track expenses online, create quarterly and annual account summaries, and get access to your own “Personal Business Assistant.” You’ll get help with travel arrangements, dining reservations and more.

You can also set credit limits for individual employees, and if you’ve got a lot of folks to keep up with, that’s a really good feature. All in all, the CitiBusiness World Card has a lot to offer.

[Credit Cards: Research and compare business credit cards at Credit.com]

When I talk about business cards, though, I always note that these credit cards aren’t covered by the Credit CARD Act of 2009. So please remember that you don’t have consumer protections. For example, there’s nothing to prevent the issuer from applying an interest rate increase to an existing balance.

So take advantage of the business tools, but to be on the safe side, don’t carry a balance. And read all your mail in case other changes occur.

[Related Article: Business Credit Cards and Balance Transfer Options]

Sign-up bonus: You get 10,000 bonus ThankYou Points if you spend $300 within the first three months, which is enough for a $100 gift card. Not the best bonus I’ve seen, but it’s not bad, either.

Rewards: You earn 3 ThankYou Points for every $1 spent on purchases at certain office supply merchants and on professional services. And you earn one ThankYou Point for every $1 you spend on everything else. Plus, you can even earn ThankYou Points from purchases made on your employee accounts.

[Free Resource: Check your credit for free before applying for a credit card]

APR: Zero percent intro APR for six months; after that, you get a variable 13.24 percent APR.

Annual Fee: None

Foreign transaction fees: 3 percent

At publishing time, the CitiBusiness World Card is offered on Credit.com product pages and Credit.com is compensated if our users apply for and ultimately sign up for these cards. However, this relationship does not result in any preferential editorial treatment.

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  • Jimmer

    Whatever you do when considering credit cards DO NOT consider Citibank. Citi’s customer service is rude, arbitrary and inconsistent. DO WHATEVER YOU CAN to get credit from a bank that treats you like a valued customer and not like just another number. After 20 years with Citibank (and EXCELLENT credit) they denied me the credit open on my card, then gave a barrage of BS excuses. I will never do biz w them again. CITIBANK CANNOT BE TRUSTED!

Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.