The Citi is a business credit card from Citi. Application typically pulls a hard report from Equifax. The annual fee is $0. The ongoing APR is 21.99% APR for purchases (but 15.00% if billing address in GA or NC at account opening) (disclosures accurate as of May 1, 2025). Approval typically requires a credit score of 650-700 or higher. Signup bonus: Limited time offer: save up to $100 on a qualifying purchase when you open a new credit card with The Home Depot. Rewards: Pro Xtra Perks earned 4X faster: when you join Pro Xtra, register and use the card, every $1 spent on Qualifying Purchases counts as $4 for earning Perks (up to $1,000,000 in Qualifying Purchases per Program Period); initial Perk if Qualifying Purchases exceed the first minimum threshold of $2,500, additional Perks at higher thresholds; Perks redeemable as Pro Xtra Dollars or Rental Perks. Typical credit limit: Credit line set by review of credit report (and other financial information if requested); some credit lines may be as low as $500. Loan terms: Grace period of at least 20 days if you pay the total balance in full by the due date every billing period (otherwise no grace period); balance method average daily balance including new purchases; minimum finance charge $1.00. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). No personal guarantee is required. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Application rules: Citi enforces an 8/65/95 rule (max 1 card per 8 days, 2 cards per 65 days, no more than 1 business-card every 95 days). Sign-up bonuses on Citi cards are restricted to 48 months from your last bonus on that card family.. Commercial revolving charge. Net 60 terms available on Commercial Account. No PG for established businesses.