This site is part of an affiliate sales network and may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This relationship may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Zachary Abel is also a Senior Advisor to Bilt Rewards. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Where is the Premium Citi Thank You Business card?
I love my Citi Premier card and just recently acquired a Citi Prestige. Everything I’ve read online indicates that the Prestige is a massive hit and worth many times the annual fee. That’s why I just signed up for it! Now, I know that there is a Citi Thank You business card out there, and it seems like some people have had luck applying for it in branch, but where are the primo business cards? Given the success of the Premier and Prestige, and the growing number of wallet slots they occupy – where are the Citi Thank You Business Premier and Citi Thank You Business Prestige cards?
The History:
Citi launched their Thank You points program back in 2005. I had Amex and Mastercard versions of the premier pass circa 2008-2010. The program has evolved quite nicely and I particularly prefer the ability to transfer points to partners vs. the redemption options they used to have.
Back then the point accumulating ability was outstanding because of the travel-focused earning structure. Bonus Thank You points were given per mile flown, as well as base TY for the purchase, and you’d still earn EQM/RDM within the loyalty program you were flying on.
Example:
AA flight $250 Flight and 2500 miles each way
- 250 Thank You points for the flight cost
- 5000 Thank You points for the miles
- 5000 EQM
- 5000 RDM
- Any class of service and elite bonuses
The Problem: You couldn’t get in on that ASPIRATIONAL TRAVEL with the old system
This was several years ago and obviously the earning was outstanding, but it was the redemption options that were the most limiting. The redemptions were static and facilitated through the Thank You portal for travel consolidated through Expedia. You could redeem for an ipod or a toaster, but I always redeemed for travel and throughout the time I had the card I earned loads of free flights. The downside is I always redeemed for coach as the redemption value was a penny per point, i.e. 50000 TY for $500 flight. If I wanted to redeem for a flight like my Etihad Business Studio it would have cost 700,000 Thank You points. CAHMONNNNN that is insulting.
I WANT MY BIDDDDDDDNESSSSSS
I however, prefer the Current Thank You program because of the transfer partners. I like the Premier and Prestige versions of the card as they provide opportunity to build flexible currency. The Prestige, in particular, has a sick amount of benefits. We shall see how much I use them over the next year, and what these new Citi lounges are going to look like, but if they offered a biz version with these bennies…we’d go bananas signing up. It’d also make keeping Citi Thank You points alive much easier as Miles and I could rotate and rotate and rotate and….rotate.
I wrote an article last month
saying that Chase’s 5/24 rule has given Amex a huge opportunity to capitalize on a horrendously restrictive policy. Well, it seems to me that Citi is being given a similar opportunity. The restrictions that Chase ( Ink Plus, Ink Cash) and Amex ( Open Gold/Plat) have imposed on small business cards have primed the market for a Citi business card that offers comparative benefits as their personal counterparts. I would sign up for both versions of the Citi Thank You business card if they came in Premier and Prestige sizes. Even with the recent downgrade of benefits with the Prestige card it still is a killer card.
So Citi…Get at it!
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card went through a major refresh in 2026 adding new bonus categories, travel protections, statement credits, and remains one of the best travel starter cards in the market. It earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based including Hyatt, Southwest, United, IHG, and Marriott. Note that Hyatt is now a 4:3 transfer partner
Welcome Offer
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
Earn
- 5x on all travel purchased through Chase Travel℠
- NEW ACCELERATED EARN CATEGORY: 3x points on gas and EV charging
- NEW ACCELERATED EARN CATEGORY: 3x points on vacation homes at top brands
- Cardmembers will earn 3x points on vacation homes at these top brands: Airbnb, Vrbo, Plu Guide, HomeAway, Homestay.com and Vacasa.
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- 2x on all other travel
- 1x on everyday purchases
- 5x points on Lyft rides Earn 5x total points on eligible Lyft rides including ride share, bike and scooter rides and subscription and membership products through September 30, 2027.
- 5x total points on Peloton equipment Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through December 31, 2027.
Benefits and Credits
- $100 Annual Chase Travel Hotel Credit via Chase Travel℠
- NEW: $120 Global Entry, TSA PreCheck or NEXUS fee credit Cardmembers will receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to the card.
- NEW: Complimentary Apple TV subscription for one year
- Points are transferrable to 14 Ultimate Rewards partners
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® Card is great starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex® and Chase Freedom Unlimited® or the business versions: Chase Ink Business Cash® , Chase Ink Business Unlimited® you can combine the points into the Sapphire Preferred account and transfer into hotel and airline partners
Annual fee remains quite low at $95 a year and if you use the $100 Annual Chase Travel Hotel Credit via Chase Travel℠ you’ll wipe out that annual fee every year. It has great bonus categories and other useful statement credits to enhance your travel.
One thing that is a bummer is Chase lowered the transfer ratio to World of Hyatt from 1:1 to 4:3.
The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.