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
Although you're applying for a business credit card for your startup, the lender may still require your Social Security number to check your personal credit file. Depending on the type of credit card, you may be personally liable for your business credit card and any employee transactions.
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 - Personal guarantee: Some business credit cards require a personal guarantee to qualify.
CITI AADVANTAGE BUSINESS CARD
Business cards (most of them) won’t be reported to your credit report, but you will still get hard pulls which do affect your credit report. But you’re right in that so long as banks pull from different credit reporting agencies, they won’t see the hard pull. Correction: Business cards (most of them) do not count towards 5/24 status. It doesn’t matter if banks are pulling from Experian or Equifax, etc. Business cards are not reported on your credit reports unless… If you miss payments for business cards repeatedly, the bank will report that on your credit report. More on reddit.com
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April 21, 2025Citi 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, 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 19, 2022Citi AAdvantage Business Approval Data Point
I was also given 16k cl. Maybe it is their default haha More on reddit.com
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July 18, 2024Can you use a Citibank business credit card for personal expenses?
Business credit cards should only be used for business-related transactions. Mixing personal and business expenses can lead to accounting issues and may violate the card’s terms of service.
ramp.com
ramp.com › blog › business credit cards
Citibank Business Credit Card Requirements
Does Citibank report business credit card activity to business credit bureaus?
Citibank may report certain business card activity to commercial credit bureaus like Dun & Bradstreet or Experian Business. However, policies can vary by card. If building business credit is a priority, confirm the reporting details before applying.
ramp.com
ramp.com › blog › business credit cards
Citibank Business Credit Card Requirements
Can you apply for a Citibank business credit card as a sole proprietor?
Sole proprietors are eligible to apply, even without a registered business name. You can use your Social Security number instead of an EIN, but Citibank may still ask for details about your income and business activity.
ramp.com
ramp.com › blog › business credit cards
Citibank Business Credit Card Requirements
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$15,000 Costco citi business Credit card For Fuel , office supplies ...
Ramp
ramp.com › blog › business credit cards
Citibank Business Credit Card Requirements
October 30, 2025 - Citibank doesn’t publish a minimum revenue requirement, but you should be able to show consistent business income. You may qualify for basic business credit cards if your company earns at least $10,000 to $50,000 annually.
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 - Even a startup business owner with little revenue may get approved for a business credit card if they meet creditworthiness requirements.
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. Find a Citi® credit card that fits your lifestyle.
Citi
citi.com › small business banking › lending › business credit
Business Lines of Credit | Citi.com
With a continuously available revolving line of credit, you can take care of cash flow gaps, unexpected costs, and business opportunities.Request a Call ... Qualifying for a business loan is easier when you’re prepared. Take a look at some of Citi’s criteria below. Established and operating within the U.S. ... Get the documents you need before you visit the branch. What to Bring · Complete an application with us by visiting your nearest Citibank branch.Locate a Branch
American Airlines
creditcards.aa.com › home › cbaa direct
Citi® / AAdvantage Business™ World Elite Mastercard® - AA.com
May 9, 2024 - The annual fee for this credit card is $99. However, this fee is waived for the first 12 months of account opening. Minimum interest charge – $0.50. Fee for foreign transactions – None. Cash advance fee – either $10 or 5% of the amount of each cash advance, whichever is greater.↩ · New account bonus is not available if you have received a new account bonus for a CitiBusiness® / AAdvantage® Platinum Select® or a Citi® / AAdvantage Business™ World Elite Mastercard® account in the past 48 months.
Citi
citi.com › credit cards › credit knowledge center › understanding credit cards › requirements to get a credit card
Requirements to Get a Credit Card | Citi.com
May 30, 2025 - Here, we’ll look at what information you typically need to provide when you apply for a credit card, as well as creditworthiness and other factors lenders may consider.
Bankrate
bankrate.com › credit cards › business
Best Citi credit cards for your business | Bankrate
November 14, 2024 - Citibank offers a variety of credit cards suited for individuals with different credit profiles, including those with limited or no credit history. That said, business cards are typically more difficult to get approved for than consumer cards. To increase your chances of approval, ensure you meet the income requirements ...
Reddit
reddit.com › r/creditcards › citi aadvantage business card
r/CreditCards on Reddit: CITI AADVANTAGE BUSINESS CARD
April 21, 2025 -
Hi guys,
Thinking about applying this card and I want to mainly ask feedback about my strategy.
The reason I want to apply the business credit is because i don't want my personal credit report affected because I am currently over 5/24 and I want to get out of hopefully in a few month.
As far as I understand, Citi buesiness card will not impact my personal credit score, plus it will pull from equifax instead of experian, so the hard inqury will only show up on equifax after I apply.
Since chase pulls from experian, Chase won't know about this card exist thus I am able to get pass the 5/24 rule.
I live in WA, can anyone confirm my assumptions are correct here?
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Citi AA business card won't impact my personal credit score.
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It will pull from equifax, not experian.
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Chase pull from experian so this card won't impact my 5/24 status.
Thank you!
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Business cards (most of them) won’t be reported to your credit report, but you will still get hard pulls which do affect your credit report. But you’re right in that so long as banks pull from different credit reporting agencies, they won’t see the hard pull. Correction: Business cards (most of them) do not count towards 5/24 status. It doesn’t matter if banks are pulling from Experian or Equifax, etc. Business cards are not reported on your credit reports unless… If you miss payments for business cards repeatedly, the bank will report that on your credit report.
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I'd recommend using a high-limit 0% interest business credit card. You can get up to $50k on one card. Since it is a business card, the balance won’t show on your personal credit. The terms are often for 12–18 months. If your deal isn’t done by then, you can get another card and transfer the balance. You need a 700+ credit score and good credit to qualify. This is called "credit card stacking" or "no doc loans." My company helps people do this all the time.
The Points Guy
thepointsguy.com › credit-cards › credit-score-citibusiness-aadvantage-platinum-select
What credit score do you need to get the Citi / AAdvantage Business World Elite Mastercard? - The Points Guy
January 21, 2025 - After all, your credit score is just one of many factors that Citi will take into account when deciding whether to approve your application. But you'll generally need a good credit score of at least 730* to be approved for a rewards credit card.
Citidirect
home.cards.citidirect.com
Citi Commercial Cards
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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
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
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 - Every credit card application will state the terms and conditions for the card. Before proceeding with the application, make sure you understand these terms — especially the interest rates and fees, payment requirements, and consequences for not paying the minimum payment on time each billing period.
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
2 weeks ago - Other factors include your credit profile, product availability and proprietary website methodologies. However, these factors do not influence our editors' opinions or ratings, which are based on independent research and analysis. Our partners cannot pay us to guarantee favorable reviews. Here is a list of our partners. Citi application rules have varying timelines and affect specific cards differently.
Million Mile Secrets
millionmilesecrets.com › home › how to complete a citi business card application
Citi Business card application | Million Mile Secrets
December 7, 2020 - Here’s the million-dollar secret about opening small-business cards: Most do not appear on your personal credit report. This means that opening a Citi small-business card won’t hurt your chances of being approved for Chase credit cards later on.
Citi
citi.com › credit cards › costco anywhere visa business credit card
Costco Anywhere Visa Business Credit Card - Citi.com
The Costco Anywhere Visa® Business Card by Citi is designed specifically for small business use. Cardmembers use this credit card to get the most out of their Costco membership by earning cash back on all purchases at Costco and Costco.com, restaurants, eligible travel purchases and more worldwide.
Forbes Advisor
forbes.com › advisor › credit-cards › best › citi-business
Best Citi Business Credit Cards Of 2025 – Forbes Advisor
March 7, 2025 - 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.
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 Plans subject to an APR: 18.74% – 26.74%, based on creditworthiness.