Citi doesn’t offer many business credit cards, and those available require excellent credit. That means if your credit score isn’t at least 740 or above, you should consider working on your credit score before applying for a Citi business card. Other business credit cards for fair credit may be a better place to start. Alternatively, you can apply for a personal card to improve your credit score and get a business credit card later.

The credit limit Citi grants you will depend on your credit history and other factors when you apply. You may have a limit as low as $1,000 or $2,000, but some business cards can grant limits well over $100,000. Data suggests that the average business credit card limit across all issuers is around $56,000.

Yes, probably. Most issuers will not approve a small business a line of credit without a personal guarantee from the owner. Once a business has sufficient assets and income, it may be able to secure a line of credit without providing an owner’s Social Security number. Still, it’s up to the issuer and its risk tolerance. Call your bank to ask about specifics regarding your eligibility and application requirements.