Get your hands on the CitiBusiness ThankYou Card and you can earn a 20,000 ThankYou Point Bonus after making a spend of $3,000 within the first three months of card activation.
The point earning is a categorized spend of 3x the points per $1 spent. You will be automatically enrolled and better yet, there’s no point caps and no uncommon category to worry about. Now, the 3x on office supplies isn’t really new news considering Chase Ink’s 5x on Office Supplies but what you have to consider is the “Computer Equipment Merchants” category which could be useful at stores like Best Buy that sells VISA Gift Cards as well.
This is a card that I could only describe as “Modest” for quite some time considering that there’s no application links open to the public and it seems to have been unfortunately a forgotten member of the ThankYou Family.
Editor’s Note: This card is only available in-branch only. Certain regions do offer a 40,000 ThankYou Point Bonus; If you’re stuck with a less-intriguing 20,000 TY Points, consider doing a match-up to the 40,000 offer.
| BONUS LINK | OFFER | REVIEW |
| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| Chase Private Client | $3,000 Cash | Review |
| Chase Total Checking® | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| J.P. Morgan Self-Directed Investing | Up To $700 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
Citi ThankYou Preferred Card Summary:
- Maximum Bonus: 20,000 ThankYou Points
- Spending Requirement: You must spend $3,000 within 3 months of account opening.
- Annual Fee: None
- Bonus Worth: The 20,000 ThankYou Points can be redeemed for $200 worth of gift cards
- Expiration Date: None
- Additional Advice: This is not the card you want to use for travel and on foreign soil with a nasty 3% Foreign Transaction Fee.
CitiBusiness ThankYou Card Features:
- Earn an anniversary ThankYou Point bonus each membership year
- 3x points per $1 in quarterly rotating categories (you’re automatically enrolled, there is no points cap and the categories have always stayed the same)
- 1x points per $1 spent
- 0% Introductory APY for six months
- 3% foreign transaction fee
- No annual fee
Anniversary Bonus:
This will be based on a card member year:
- First Year: Receive a 1% bonus
- Second Year: Receive a 2% bonus
- Third Year+: Receive a 3% bonus
This bonus will be applied to the base earning rate which is 1x the point per $1 spent. Again, this will not include any bonus points such as the 3x Categories or the sign-up bonus. So you’ll get a maximum additional .03 points per $1 spent which will be automatically posted at the end of each card member year.
CitiBusiness ThankYou Card Requirements:
- Apply for the CitiBusiness ThankYou Card IN-Branch only.
- Accomplish the spending requirement of $3,000 within 3 months.
- If you’re offered the 20,000 TY Points, you can always take the offer and get a match-up to an attractive 40,000 TY Points. Note that for a no annual fee card; 40,000 TY Points is quite the generous offer.
CitiBusiness Pros:
- No annual fee
- Anniversary TY Point Bonus
CitiBusiness Cons:
- Rotating Categories
- 3% foreign transaction fee
Conclusion:
You can apply for the CitiBusiness ThankYou Card in-branch. Perhaps, you’ll be able to get the 40,000 ThankYou point bonus. Note that Citi treats their business cards under the Citi 24 Month’s Rule separately from their personal cards. Now, I highly recommend this card if it’s readily available with the 40,000 ThankYou Bonus, otherwise, you can always try your luck getting a match-up to that amount. Many of you are probably wondering why I put the rotating category as a “Con,” but being frankly honest, their 3x point category is quite useful and the 3rd quarter is pretty swell! Find our complete list of Credit Card Promotions today!
