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Consumer Tips: The citibusiness credit card

If you’re a savvy, small business owner, you are probably looking for a business credit card that has a low APR, and a high credit line. You need a card that will make your business purchases simple, time-saving and hassle free.

What about adding some rewards incentives into that equation? Well, if you like a no nonsense credit card with an incredible rewards programs, Citibusiness®/AAdvantage® credit card may be the perfect choice for your small business.

Citibank’s Citibusiness® credit card has evolved from a standard card, to a rewards card. In the recent past, Citibank offered a card for small business owners called Citibusiness® with either a MasterCard® or a Visa® logo. They offered an introductory APR of 0% for 12 months and they even extended that 0% rate to balance transfers.

Currently Citibank offers Citibusiness®/AAdvantage® Visa® or Citibusiness®/AAdvantage® MasterCard®. Both cards come with the same 15.24% variable APR and both also have a $75 annual fee.

While most consumers would prefer to stay away from annual fees charged by their credit card companies, the Citibusiness®/AAdvantage® card may be worth the $75 because of its dynamic rewards program.

In teaming up with American Airlines, Citibusiness®/AAdvantage® offers 1 AAdvantage® mile per $1 spent on purchases, and 25,000 AAdvantage® bonus miles if you make $750 in purchases within the first 4 months of owning the card.

It is even possible to earn up to 150,000 AAdvantage® miles per calendar year, which would most likely be enough airline miles to make several trips.

The benefits of the Citibusiness® /AAdvantage® card far outweigh the cons, particularly if you are a frequent traveler. Even those who don’t travel often will be pleasantly surprised when they gain enough bonus miles to fly for free.

Additional benefits with this card include:

Travel & Emergency Assistance Automatic Travel Accident Insurance Retail Purchase Protection Free International Cell Phone Rental Auto Rental Insurance.

Certainly, a low introductory APR is often a tool credit companies use to lure in new customers, but perhaps Citibusiness® is doing something better by offering a regular rate and providing airline miles as their main incentive.

Do your shopping as a wise consumer, and be sure to choose the card that fits your individual needs and those of your company as well. And of course, always remember the first rule of credit cards: never charge more than you can pay back.

For more information about Citibusiness® /AAdvantage® card, visit www.citicards.com.

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