• 0% p.a on balance transfers & purchases for 4 months
• Half price annual fee at $74 for the first year (usually $149).
• Bonus 40,000 Citibank rewards points
• Earn 1.25 reward points for every $1 spent on the card
• Generous credit limit of up to $60,000
• Complimentary Business Concierge service
• Complimentary International Travel Insurance
• Up to 55 days interest free on retail purchases
• $30 extra for every supplementary card
• Read the terms and conditions

• Low rates on balance transfers and purchases for the intro period.
• Bonus 40,000 Citibank rewards points just for signing up.
• Good reward points ratio for every dollar spent on the card.
• Lots of room for spending with the high credit limit.
• Sizeable annual fee for 2nd year onwards.
• Higher than average interest rates.

How does the Citibank Business Credit Card compare for rates and fees against an average credit card? Based on the data from our website this credit card comparison scorecard shows:

		Purchase Rate	Cash Adv Rate	Annual Fee	Bal. Transfer Rate	Bal. Transfer Rate Period
	Citibank Business Credit Card	20.74%	21.49%	$74	0%	4 months
	The Average Credit Card	17.15%	21.03%	$96	2.86%	7 months

Are you an SME looking for a way to improve cash flow in an instant? Then look no further than the Citibank Business Card which comes with a maximum $60,000 credit limit. The credit card also comes with some excellent features designed with businesses in mind. Couple this with low management fees, an equally impressive interest rate and the chance to gain reward points on every purchase, and you have a business credit card that makes commercial sense.

Pros

Unlike other business credit cards on the market, the Citibank account offers a fantastic introductory credit limit. The card also comes with a complimentary business concierge service and free travel insurance. You can also earn points based on what you spend ($1 = 1.25 Citibank Rewards points), and once you have accumulated enough points you can then redeem them for anything from televisions to holidays. You can even exchange points for cash back. The Citibank business card also comes with an interest free period (Up to 55 days) on all purchases – ideal if your cash flow is tight. The annual fee is just $74 p.a., which is fantastic value for money when you consider the benefits that come with it.

In terms of payment security, the Citi Business credit card is second to none and uses Visa’s state-of-the-art technology to help prevent fraudulent activity. There’s also the option to take out additional credit card insurance to protect you even further.

Cons

Citibank charge $30 for every additional card holder, which could pose problems for businesses with a relatively large number of employees that all require a business credit card.

Conclusion

If you’re looking for a business card that not only offers credit at a fantastic rate but rewards you for spending it, then consider the Citi Business Visa account. With a favourable balance transfer rate (0% p.a. for 4 months) and cheap management fees, this card can help you streamline your cash flow.