The Citi is a business credit card from Citi. Application typically pulls a hard report from Equifax. The annual fee is $99; waived for the first 12 months. The ongoing APR is 19.74% to 28.74% variable, based on creditworthiness (Prime + 12.74% to 21.74%; terms based on a 7.0% Prime Rate, read 2026-10-13). Approval typically requires a credit score of 779 or higher. Signup bonus: 65,000 AAdvantage bonus miles after $4,000 in purchases within the first 4 months of account opening. Rewards: 2 AAdvantage miles per $1 on eligible American Airlines purchases; 2 miles per $1 at car rental merchants and gas stations; 2 miles per $1 at telecommunications merchants and cable and satellite providers; 1 mile per $1 on all other purchases. Each cardmember also earns 1 Loyalty Point per $1 on card purchases. Loan terms: Revolving business credit card; due date at least 23 days after the close of each billing cycle; Citi Flex Plans available (plan fee up to 1.72% monthly or APR 19.74% to 28.74%). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).