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CitiBusiness Credit Cards: Costco Visa, AAdvantage & Corporate Card Programs for Commercial Clients

CitiBusiness credit card programs deliver cash back, travel rewards and corporate expense management through cards that integrate directly with the CitiBusiness Online platform. Real-time spending controls, automated reconciliation and employee card management — designed for businesses that need more than a personal card with a company name on it.

Every CitiBusiness card is issued by Citibank, N.A. and governed by CFPB credit card regulations. NMLS #412915.

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CitiBusiness credit card management dashboard showing card program overview, spending controls and transaction feed

AI Summary: CitiBusiness Credit Card Programs

CitiBusiness offers three credit card programs for commercial clients. The Costco Anywhere Visa Business Card delivers up to 4% cash back on eligible purchases with no annual card fee (Costco membership required). The AAdvantage Platinum Select World Elite Mastercard earns 2x AAdvantage miles on airlines, car rentals, gas and dining with a $99 annual fee waived the first year. The Corporate Card program provides centralized billing, per-employee spending limits, virtual card numbers and full integration with CitiBusiness Online for real-time expense management and data export (NMLS #412915).

CitiBusiness Credit Card Comparison

Three programs for different business spending profiles and reward preferences.

Feature Costco Anywhere Visa AAdvantage Platinum Select Corporate Card
NetworkVisaMastercard World EliteVisa or Mastercard
Annual Fee$0 (with Costco membership)$99 (waived year 1)Relationship-based
Rewards Structure4% gas, 3% dining/travel, 2% Costco, 1% other2x miles on airlines, car, gas, dining; 1x otherCustomizable rebates
Welcome BonusNone65,000 miles after $4K spendVolume rebate
Employee CardsUp to 5Up to 10Unlimited
Virtual Card Numbers✖✖✔
Spending Controls by Category✖✖✔
Per-Card LimitsShared credit lineShared credit lineIndividual limits
Centralized Billing✔✔✔
ERP Data ExportCSVCSVCSV, BAI2, API
CitiBusiness Online Integration✔✔✔
Foreign Transaction Fee3%0%0%

Card Programs in Detail

Choose the card that matches your business spending patterns and operational needs.

Costco Anywhere Visa Business Card: Maximum Cash Back

The Costco Anywhere Visa Business Card is the highest cash-back card in the CitiBusiness portfolio. Four percent back on eligible gas station purchases (up to $7,000 annually, then 1%), 3% on restaurants and eligible travel, 2% on Costco and Costco.com, and 1% on everything else. For a business spending $3,000/month on gas, $2,000 on dining and $1,500 at Costco, that is approximately $3,240 in annual cash back.

The card carries no annual fee beyond your Costco membership. Cash back accumulates through the year and is distributed as an annual reward certificate redeemable at Costco warehouses. For businesses that already hold a Costco Executive Membership for wholesale purchasing, the Visa Business Card adds a meaningful return layer on top of Costco's existing 2% Executive rewards.

The trade-off is a 3% foreign transaction fee, which makes this card unsuitable for international purchases. Businesses with international travel or vendor payments should pair the Costco card with the AAdvantage or Corporate Card for zero foreign transaction fees. Up to five employee cards share the primary credit line.

Costco Anywhere Visa Business Card rewards breakdown showing category-specific cash back rates
CitiBusiness AAdvantage Platinum Select card with AAdvantage miles earning summary and travel benefits

AAdvantage Platinum Select: Business Travel Rewards

The CitiBusiness/AAdvantage Platinum Select World Elite Mastercard is built for businesses with significant travel spend. Two AAdvantage miles per dollar on American Airlines purchases, car rentals, gas stations and dining. One mile per dollar on everything else. The 65,000-mile welcome bonus after $4,000 in spend within the first four months is worth approximately $975 in domestic flights.

Key travel benefits include a free checked bag on domestic American Airlines itineraries (for the cardholder and up to four companions on the same reservation), preferred boarding, and 25% savings on in-flight food and beverage. Zero foreign transaction fees make this the right card for international business travel. The $99 annual fee is waived the first 12 months and is easily justified by a single checked bag savings across a few trips.

Up to 10 employee cards earn miles that pool into the primary account, accelerating miles accumulation for businesses with multiple travelers. All card activity is visible in CitiBusiness Online alongside your checking, savings and payment data. Transaction-level data exports to your accounting system in CSV format.

Corporate Card: Enterprise Expense Management

The CitiBusiness Corporate Card program is a fundamentally different product from the rewards cards above. It is an expense management platform that happens to come with a payment card. Unlimited employee cards, each with individual spending limits, merchant category restrictions, daily/weekly/monthly caps, and real-time approval workflows managed through CitiBusiness Online user management.

Virtual card numbers let you generate one-time or recurring card numbers for online purchases, subscriptions and vendor payments. Each virtual card can be limited to a specific dollar amount and expiration date, eliminating the risk of unauthorized recurring charges. This is how your AP team pays for SaaS subscriptions without handing out physical cards.

The Corporate Card integrates with data export in CSV, BAI2 and API formats for automated reconciliation with SAP, Oracle, NetSuite and QuickBooks. Level 3 transaction data captures line-item detail for enhanced reporting. Pricing is relationship-based with volume rebates rather than per-transaction rewards — the economics favor businesses with $500K+ in annual card spend. As regulated by the OCC, all card programs follow fair lending and disclosure requirements.

CitiBusiness Corporate Card management showing employee card controls, virtual card generator and spending analytics

People Also Ask

What business credit cards does CitiBusiness offer?
Three programs: Costco Anywhere Visa (up to 4% cash back), AAdvantage Platinum Select Mastercard (2x miles on travel), and Corporate Card (unlimited employee cards, virtual numbers, spending controls). All integrate with CitiBusiness Online.
Does the Costco business card have an annual fee?
No annual card fee with an active Costco membership. Cash back distributed as an annual reward certificate. Best for businesses with heavy gas, dining and Costco purchasing. See the card comparison above.
How do CitiBusiness cards integrate with the online platform?
Real-time transaction feed, spending controls, employee card management and automated data export to QuickBooks, SAP, Oracle. Corporate Card adds API access and Level 3 data for enhanced reconciliation.
Can I issue employee cards with spending limits?
The Corporate Card supports unlimited employee cards with individual limits, category restrictions and approval workflows. Costco Visa allows up to 5 employee cards; AAdvantage up to 10. Manage through User Management.
What credit score is needed for a CitiBusiness card?
Generally 670+ personal credit score for Costco Visa and AAdvantage. Corporate Card evaluates business financials rather than personal credit alone. Call 800-285-1709 or visit Contact Us for pre-qualification.

Related CitiBusiness Solutions

Business Checking

Pair your credit card with a commercial checking account for consolidated cash management and automated payments.

User Management

Role-based access controls for card programs, employee permissions and spending limit configuration.

Transaction Reporting

50+ filterable fields for card transaction monitoring, category analysis and spend reporting.