Calculator: Best Citi Business Credit Cards [2021]

Citi offers a few great business card options that can earn you valuable rewards. Get our best picks and calculate total rewards based on your spend.

The Point Calculator's top picks for the 7 best American Express business credit cards are:

  • Costco Anywhere Visa® Business Card by Citi
  • CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Costco Anywhere Visa® Business Card by Citi

The Costco Anywhere Visa Business Card is an excellent option if your business uses Costco frequently and typically have travel expenses. The card earns 4% cash back on gas station purchases (includes Costco Gas Station), 3% back on travel and restaurant purchases, 2% back in-store and online with Costco, and 1% back on everything else. It has no annual fee, but does require Costco membership. Combine this with your Costco Rewards membership and you can really rake in some nice returns on your Costco spend.

Costco Anywhere Visa® Business Card by Citi
Rewards Rate
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

If you're looking to earn AAdvantage Miles on your business spend, the CitiBusiness AAdvantage Platinum Select Card is going to be your best option. It earns 2 AAdvantage Miles per $1 spent on American Airlines, telecommunications, rental car, and gas station purchases and 1 mile per $1 spent on everything else. Benefits of the card include a first checked bag free, priority benefits (such as check-in and screening), a Global Entry or TSA PreCheck credit, an annual companion certificate that you can earn running spend through the card, and in-flight savings. The card is highly comparable to the Barclays AAdvantage Aviator Business Card which features slightly different benefits when flying American Airlines.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Rewards Rate
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
  • Earn 1 AAdvantage® mile per $1 spent on other purchases
Intro Bonus
Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
Annual Fee
$0 the first year, then $99
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards based on your business spend. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Results will consist of business credit cards offered by Citi which in this case is only a few cards. If you want to see how your business spend stacks up against all top business credit cards, use the calculator found on our list of Best Business Credit Cards of 2021.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions). The values I have listed are what I think is the easiest value to get out of your points when transferring to partners. You can click on the to learn more about the value of the currency (opens in a new tab/window).
Depending on what you're calculating, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
Updated 2021-03-29 By Robert Flowers III

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