Citi® Professional(SM) Business Credit Card - Review

The folks at Citi do claim in their recent promotions for the Citi Professional Business Credit Card that work and play can be a real balancing act and that the Citi Professional Business credit card can help you keep track of which is which. This may certainly be the case with this premium credit card that is loaded with advanced features and benefits. Cardholders get access to the Thank You Network and a no fee rewards program. Currently one receives 3 points for every dollar that is spent at restaurants, gas stations, auto rentals, and certain office supply merchants as long as you are not participating in a limited-time promotional offer. Certain types of purchases not eligible to receive the three points scheme and they include purchases made at warehouse clubs, discount stores, department stores and convenience stores. Also, your internet, catalog, mail order and telephone purchases are not eligible to receive three points unless the merchants appropriately identifies the particular transactions.

Citi does not determine whether merchants appropriately identify all transactions you could make on your Citi Professional Business Credit Card, as mentioned above. However, they do reserve the right to determine which purchases qualify cardholders to receive points under the "ThankYou" scheme. It is easy to earn up to 100,000 ThankYou Points during any particular calendar year as eligible purchases should appear on your monthly billing statements. Just keep your Citi Professional Business Credit Card account open and current and you will remain eligible to earn points through the entire life of the rewards program. The points are valid for 3 years from the end of the calendar year in which they are earned unless the rewards scheme is cancelled. If the program somehow gets cancelled you should receive a 30 day written notice and you also have up to 90 days to redeem your points. Personally I have trouble complaining about the possibility of perhaps having to take an emergency vacation (to use up points) should the need arise.

As far as the features go with the Citi Professional Business Credit Card to help you manage your business expenses they are second to none. You can easily categorize your monthly statements and do necessary breakdowns as needed. You will also receive quarterly and annual summaries as well. Also cardholders receive a one-of-a-kind online expense reporting tool that helps you to use your statement available online to customize reports for billing, employee reimbursements and much more. The Card also comes with access to dedicated customer service reps who can assist you and help with business matters concerning your credit card. The card also includes excellent fraud coverage protection.

Please note that at the time of this review all the information was accurate. If you intend to apply online for this credit card or any other please be certain to read the latest terms and conditions from the card's issuer.