Citi
citi.com › credit-cards › understanding-credit-cards › how-to-get-a-business-credit-card-for-startups
How to Get A Business Credit Card For Startups | Citi.com
Fortunately, if your personal credit is good, you may still be able to get approved for a credit card despite your startup company being pre-revenue. If you have no revenue yet, simply place $0 where your application ...
Reddit
reddit.com › r/creditcards › citi aadvantage platinum select business credit card approval: why is this card treated like a venture x by citi?
r/CreditCards on Reddit: Citi AAdvantage Platinum Select BUSINESS credit card approval: Why is this card treated like a Venture X by Citi?
December 9, 2024 -
I knew Citi was inquiry sensitive to an extent but wow! I’ve seen some videos on Citi and then came across a YT channel where a guy reviewed the Citi AAdvantage Platinum Select Business World Elite Mastercard recently. He explained in very clear terms that if you have basically ANY hard inquiries in the past 24 months, your application will absolutely be denied. That sounds worse than the VX reports I’ve heard…can anyone confirm this??? His instructions were to wait until your at 1/24 or maybe 2/24 before applying. And since I have plans for other card applications over the next 24-months I was kinda shocked that this card I really wanted has to be scratched off my list. Got a 766 FICO and inquiries are 3/24, 2/12 right now. But in 2025, I need to apply for the BoA Alaska Airlines Business card first due to their 3/12 rule (since I don’t bank with them and I opened two accounts in 2024)
I had no idea Citi just turned down applicants like that for more than 1-2 inquiries. Sure, 5,6,7+ is something I’d understand. But for 3 or 4? Are they like that on just the co-branded cards? Thanks
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I can confirm that didn’t happen for me. I had 6-7 new cards (under a year old) and got approved for it.
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This is simply untrue about the hard inquiries. I got the Citi AA business card approval literally 10 days after a recent inquiry & approval for the Citi AA personal card. Both of those pulled Equifax.. that said those were the only inquiries on report, as majority of lenders for me pull Experian. Speaking of Experian.. I got a Double Cash less than a month later from my Citi Strata approval, both separate hard pulls. Had 4 recent inquiries on Experian within 4-5 week span after my DC approval. TLDR, your mileage may vary on approval. I have a post here on my theory on Citi approvals in general: https://www.reddit.com/r/CreditCards/s/8jzj0EotwF
Citi AAdvantage Platinum Select BUSINESS credit card approval: Why is this card treated like a Venture X by Citi?
I can confirm that didn’t happen for me. I had 6-7 new cards (under a year old) and got approved for it. More on reddit.com
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December 9, 2024Citi Business Cards and Scrutiny
From my experience, there's no particular level of scrutiny that Citi subjects you to, either regarding approval or the nature of spend when it comes to business cards. More on reddit.com
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January 24, 2024Any data points on citi business cards?
Older ‘common knowledge’ from r/churning was that Citi required 5 years of credit history for approval for the AA business card, though even the data points that I recall on this (which are a year+ old) indicated that ‘rule’ softening in that people with 3-4 years of CC history were getting approved. TLDR: There is history indicating that 2 years and 11 months of CC history is too new for a Citi business card, and that the break point may be somewhere between 3-5 years. More on reddit.com
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May 24, 2022Should I get the Citi AAdvantage Business or Chase Ink?
Template for Card Recommendation Requests: Please use the following template so that everyone can make appropriate recommendations: Current cards: (list cards, limits, opening date) e.g. Amex BCP $8,000 limit, May 2019 e.g. Chase Freedom Flex $10,000 limit, June 2021 FICO Score: e.g. 750 Oldest account age: e.g. 5 years 6 months Chase 5/24 status: e.g 2/24 Income: e.g. $80,000 Average monthly spend and categories: dining $800 groceries: $400 gas: $100 travel: $100 other: $30 Open to Business Cards: e.g. No What's the purpose of your next card? e.g. Building credit, Balance transfer, Travel, Cashback Do you have any cards you've been looking at? e.g. Chase Freedom Unlimited Are you OK with category spending or do you want a general spending card? Please review the Card Recommendation Request Template here: Template for Card Recommendation Requests I can be summoned to comment by using command(s): !template I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns. More on reddit.com
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March 17, 2023How hard is it to get a Citi business credit card?
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.
forbes.com
forbes.com › advisor › credit-cards › best › citi-business
Best Citi Business Credit Cards Of 2025 – Forbes Advisor
What is the average Citi credit limit for business credit cards?
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.
forbes.com
forbes.com › advisor › credit-cards › best › citi-business
Best Citi Business Credit Cards Of 2025 – Forbes Advisor
Do I need good personal credit to get a business credit card?
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.
forbes.com
forbes.com › advisor › credit-cards › best › citi-business
Best Citi Business Credit Cards Of 2025 – Forbes Advisor
Videos
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CITI Credit Cards: ALL the TIP and Rules to Get You APPROVED - YouTube
Citi
citi.com › home › credit card › view all credit cards
Compare and View All Credit Cards | Citi.com
Explore all Citi cards · Hamburger Menu for filterchip selection 0 No · items Selected · Most Popular · Special Offers · Balance Transfer · No Annual Fee · Travel Rewards · All Rewards · Cash Back · AAdvantage · Business
The Home Depot
homedepot.com › c › credit-center
Credit Card Services
17 hours ago - The Home Depot financing helps both pros and DIYers do more. Learn more about Home Depot commercial credit cards, consumer credit cards, and Home Depot loans.
Forbes Advisor
forbes.com › advisor › credit-cards › best › citi-business
Best Citi Business Credit Cards Of 2025 – Forbes Advisor
March 7, 2025 - 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. Citi doesn’t offer many business credit cards, and those available require excellent credit.
Citidirect
home.cards.citidirect.com
Citi Commercial Cards
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Citi
citi.com › credit cards › credit knowledge center › understanding credit cards › how to apply for a credit card
How to Apply for a Credit Card | Citi.com
September 26, 2025 - Find the right Citi® credit card for you. ... Once you’ve decided what card you want, complete the application online, in person or over the phone.
NerdWallet
nerdwallet.com › back to nerdwallet homepage › travel › the guide to citi’s credit card application rules
Citi Card Application Rules: What to Know - NerdWallet
1 week ago - Costco Anywhere Visa® Business Card by Citi. Citi's 8/65 rule states that applicants are ineligible to apply for more than one Citi credit card in eight days, and not more than two credit cards in 65 days.
American Airlines
creditcards.aa.com › home › cbaa direct
Citi® / AAdvantage Business™ World Elite Mastercard® - AA.com
May 9, 2024 - Apply Now for the Citi® / AAdvantage Business™ World Elite Mastercard®. Explore the amazing credit card benefits built for business and adventure.
Citi
citi.com › credit cards › credit knowledge center › understanding credit cards › business credit card vs. personal credit card: key differences
Business Credit Cards vs. Personal Credit Cards: Key Differences | Citi.com
August 1, 2025 - While you usually don’t need a formal business structure to apply, you may be required to provide your business name, revenue, and tax ID or Social Security number during the application process.
App Store
apps.apple.com › us › app › citibusiness-mobile › id1406516181
CitiBusiness® Mobile App - App Store
SECURE ACCESS ANYTIME, ANYWHERE After downloading the CitiBusiness App from a U.S.-based app store, you can access the app from wherever you may be*. The integrated Mobile Token feature allows you to generate codes on the go for login and ...
Citi
citi.com › credit cards › credit knowledge center › understanding credit cards › how to apply for a credit card online
How to Apply for a Credit Card Online | Citi.com
May 30, 2025 - When the time comes to fill out your online application, you’ll typically enter your personal and financial information, authorize a hard credit check (this allows the card issuer to review your credit report) and submit your application. You might get an instant decision, or it may take longer. This depends on the card, issuer and your creditworthiness. If you’re approved for the credit card, you might be prompted to set up an online account. The card issuer will usually mail your credit card within a few business days.
Citi
citi.com › credit cards › credit knowledge center › understanding credit cards › what is a business credit card and how does it work?
What Is a Business Credit Card and How Does It Work? | Citi.com
June 13, 2025 - In general, you'll need to own a business to qualify for a business credit card. That said, a wide array of business owners can fall under that umbrella, including: ... You don’t need an office full of employees to qualify for a business credit card – you're eligible to apply even if your business is only a small side gig.
Citi
citi.com › credit cards › costco anywhere visa business credit card
Costco Anywhere Visa Business Credit Card - Citi.com
Apply for the Costco Anywhere Visa® Business Credit Card by Citi, a business credit card designed for Costco members, and earn cash back for business purchases.
Bankrate
bankrate.com › credit cards › business
Best Citi credit cards for your business | Bankrate
November 14, 2024 - If you’d prefer to avoid paying a yearly fee to hold your business card, consider sifting through our guide to the best no-annual-fee business credit cards. Approval may depend on various factors, including your overall credit history, the card you’re applying for and the specific details of your application. If you want to explore options catered to your credit profile, consider using Bankrate’s CardMatch™ tool. Citibank offers a variety of credit cards suited for individuals with different credit profiles, including those with limited or no credit history.
Ramp
ramp.com › blog › business credit cards
Citibank Business Credit Card Requirements
October 30, 2025 - Step 3: Apply online or in person. Most Citibank business cards are available through an online application. You will complete a form with your personal and business details and submit it directly through the Citi website.
Citi
citi.com › credit cards › credit knowledge center › understanding credit cards › does your business credit card impact your personal credit?
Does Your Business Credit Card Impact Your Personal Credit? | Citi.com
August 1, 2025 - When you apply for a business credit card, issuers may use your personal credit to evaluate your application.
Costco
costco.com › home › costco anywhere visa® cards by citi
Costco Anywhere Visa® Cards By Citi
Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply. Variable rates shown above are based on the 6.75% Prime Rate as of 12/17/25. Costco Anywhere Visa Business Card by Citi Variable APR for purchases and Citi Flex ...
Citi
citi.com › small business banking › lending › business credit
Business Lines of Credit | Citi.com
Citi provides business lines of credit to finance a wide range of commercial needs. Apply for a business line of credit with Citi.
Citi
citi.com › credit cards › credit knowledge center › maximizing credit card rewards › cash back vs. travel rewards: which card should you get?
Should You Get a Business Credit Card? | Citi.com
May 28, 2025 - Opening a business credit card is much like opening a personal credit card. Initially, you will likely have to supply personal information, including your Social Security number.