Citi Business ThankYou Card
20K after $2K spend in 3 months
No Annual Fee
Card Type: Mastercard World
Earning rate: 3X rotating quarterly categories
Noteworthy perks: Anniversary bonus on base earnings each membership year. (1% in year 1, 2% in year 2 and 3% in year 3 and beyond.)
See also: Citi ThankYou Rewards Complete Guide
Citi Application Tips
- 24 Month Rule (ThankYou Cards): To get bonus on any ThankYou card, you must wait 24 months after receiving a new cardmember bonus or closing any ThankYou card account. Applies to Preferred, Premier, Prestige, and Rewards+.
- 24 Month Rule (Expedia Cards): To get bonus on any Expedia card, you must wait 24 months after opening or closing any Expedia card account.
- 48 Month Rule (AA Cards): With Citi AA cards, you have to wait 48 months after receiving a bonus for the same exact card.
- Velocity Rules: Max 1 personal card per 8 days. Max 2 personal cards per 65 days. Max 1 business card per 95 days.
- Get Same Card Again: Citi allows getting same card again (even if card is still open) as long as you follow the 24 or 48 month rules and velocity rules (above).
- Hard inquiries DO NOT combine into 1 when approved same day
Check application status here.
If denied, call reconsideration here:800-695-5171 (personal); 800-763-9795 (business)
If reconsideration # doesn’t work, try the Citi Credit Card Executive Office: 423-477-6858
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