The Citi, National Association is a business credit card from Citi, National Association. Application typically pulls a hard report from Experian. The annual fee is $0 Intro Annual Fee, $99 after the first year. Approval typically requires a credit score of 650-700 or higher. Signup bonus: AAdvantage ® bonus miles for your business after qualifying purchases. Rewards: AAdvantage ® bonus miles for your business after qualifying purchases, 2X miles on eligible American Airlines purchases for your business. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.