Citi business credit cards offer a number of options to meet your business needs. There are rewards programs available, such as cash back and rewards points. They also offer cards with low APRs, such as CitiBusiness and CitiProfessional. Additionally, Citibank gears the business cards it offers toward specific needs, including business trips or the Citibank Staples Business Credit account.

Regardless of your industry, there are a number of areas where using Citibank credit cards can help you to keep your business more organized. As you examine the various types of Citi credit cards, remember the following ways they can help:

1. Keep track of what your employees are spending by providing each of them with a Citi business credit card.

2. Travel the globe for business needs using a Citibank credit card.

3. A Citibank business credit card is a great way to save on frequent business purchases.

Action Steps
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Track employees' expenses with Citibank business credit cards

Citibank offers credit cards geared toward businesses having multiple users. The CitiBusiness Card offers free quarterly and annual summaries of purchases divided by employees, types of purchases and dollars spent. You can also set individual spending limits for each employee. This will help you to make sure that your employees aren't taking advantage of the extra funds they have access to and use them for personal purchases.

I recommend: Apply for a Citibank credit card online, such as the CitiBusiness Card. CreditCards.com provides five tips for making sure your employees don’t abuse the privilege of a credit card for business expenses.

Pay for your business trips with your Citibank credit card

When you travel for business, it is simply much easier to pay for your flight, lodging, meals and entertainment by using your Citibank credit card rather than trying to carry around cash or depend on funds in your business checking account with your debit card. Plus, many of the rewards programs available from Citibank can help you to rack up the airline miles to use on future business trips.

I recommend: With the Citibank CitiBusiness/AAdvantage MasterCard you can earn up to 150,000 American Airlines miles each year, which will cover many business trips. If you’re concerned about the liability your business may have by using a credit card for purchases, SmartMoney offers important advice for using your cards wisely.

Use a Citibank corporate credit card to purchase supplies and equipment

Using your Citibank card will make it easier to write off such purchases when it comes tax time, since most will provide an itemized statement broken down by category. Additionally, many rewards programs offer elevated rewards for specific types of purchases, such as office supplies. Such reward programs, like those with the Staples card, can get you more bang for your buck, thus saving your business money.

I recommend: Maximize credit card rewards to save money by following the advice offered by Sound Money Tips. Find the business credit card that is perfect for your needs, including Citibank credit card applications, by using Citigroup's card finder assistant.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Be responsible with your Citibank credit card. It's simply good business practice to use a credit card as a means of building credit and not as a means of building your company. You should always be able to pay off what you and your employees charge each month to avoid putting your business in a lot of debt.

Citibank offers many credit cards including Citibank business credit cards and Citibank corporate credit cards. You can get Citibank credit cards with a variety of offers including 0% interest for 12 months, no annual fees, a thank you reward program and a cash back program. You can apply for a Citibank credit card online or get a Citibank credit card application and apply for it by mail.

Things to consider when you apply for a Citibank business credit card are:

1. What is the interest rate on the Citibank MasterCard after the initial interest rate expires?
2. Can each Citibank corporate credit card carry its own individual credit card limit?
3. How easy is it to fill out Citibank credit card applications?
4. Do you get an instant response when you apply for a Citibank credit card online?

Action Steps
The best contacts and resources to help you get it done

Choose the Citibank credit card that is best suited for your business

Compare the different Citibank business credit cards. Most of the offers include insurance such as auto and travel as well as Citi Identity Theft Solutions.

I recommend: Citibank’s Business Card or Citibank’s Business Card with Thank You Network both offer 0% interest for 12 months, no annual fees, additional cards for your employees with credit card limits that you set, a prescription discount benefit program and no balance transfer fees. Check for the differences between Citi‘s credit cards.

Select a Citibank corporate credit card

If you have substantial business expenses, it is wise to have a Citibank corporate credit card to manage your expense account.

I recommend: The Citi Professional Cash Card is the best of the three offered for professionals. You can earn 3% cash back on every purchase you make at restaurants, gas stations, auto rentals and some office supply merchants. Every other purchase earns you 1% back. With the Citi Professional Thank You Network credit card, you earn rewards that you redeem for gift cards, air travel and other merchandise.

Locate Citibank credit card applications online

The easiest and fastest way to apply for a Citibank credit card, whether it is a business or corporate card, is online. Be sure to read the terms and conditions since many of these cards have a variable interest rate.

I recommend: Apply for a Citibank Business Visa Card, fill in the information and proceed to the next step. You can complete an application for the Citi Professional Cash Card by completing step one and clicking on verify application.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Be aware that Citi offers a couple of business credit cards that have annual fees after the first 12 months.
• •  It is easy to find items you claim on your income taxes when you use your Citibank corporate credit card statements.

There are several benefits to having a Citibank corporate credit card for your business. You can get them for your employees and more easily track their spending for the business by limiting their available credit and reviewing statements each month. You can also use them to purchase supplies and cover maintenance costs for your business so you can separate these expenses more easily for tax purposes.

However, before you apply for a Citibank credit card online, it’s important to know what you’re getting into. You need to find out if other consumers are happy with the customer service and credit options they receive. You also need to know how Citibank credit cards compare to others available. Use the following methods to obtain Citibank credit cards advice and ratings before making a final decision:

1. Find websites that provide ratings and reviews for Citi credit cards.

2. Check out financial blogs that discuss the benefits and risks of using a Citibank credit card.

3. Compare Citibank cards to those offered by other credit card issuers.

Action Steps
The best contacts and resources to help you get it done

Access websites with ratings before filing Citibank credit card applications

Websites with customer reviews and overall ratings should be the first thing you look at before applying for a Citibank card. These will have the most reliable feedback. Many websites also offer editor ratings as the website host organization's recommendations. Hopefully, said editor has a bit of financial expertise. Typically, these websites rate the cards on a scale of one to five, often portrayed with stars, with five stars being the best.

I recommend: Access more than 150 customer reviews of Citibank credit cards on Epinions. MouthShut provides ratings on topics such as customer services, rates and fees and overall satisfaction in addition to customer reviews.

Read blogs that discuss Citi business credit cards

Many financial bloggers like to discuss the credit cards they own, such as what they like and dislike about them. They also provide great advice on how to properly use your credit card to avoid debt and bad credit ratings. Blogs are also a great source of information on how to get the most out of your credit card rewards, introductory interest rates and other incentives.

I recommend: Access the Ask Mr Credit Card blog for information on Citibank credit cards as well as others. Bankrate's Plastic Rap blog covers every kind of plastic you find in your wallet, including credit cards.

Analyze which Citibank business credit cards are better than others

Comparative websites provide helpful information on all the credit cards offered by all the issuers. This gives you an opportunity to compare all of your options and know the differences between a Citibank Visa or Citibank Mastercard. These sites also typically offer an online Citibank credit card application, once you've made your final decision.

I recommend: Apply, review or compare Citibank credit cards on CardOffers. Read Your Credit Advisor reviews of Citibank credit cards.