CitiBusiness® PremierPass Card

Editor's Review: The CitiBusiness® PremierPass Card from Citibank is primarily a business credit card designed for individuals who need to maintain and manage all business expenses with a single credit card who also plan on taking advantage of the reward program.

Cardholders will earn 3 points (two "ThankYou Select Spend Points" and one "Thank You Purchase Points") for each dollar spent on business credit card purchases or services (See the card application for restrictions that apply). Of those 3 points, you'll get 2 "ThankYou" Select Spend Points and 1 "Thank You" Purchase point. In addition, one point is earned for every dollar spent on all "general" purchases. And when you purchase an airline ticket with the card, you'll get one "ThankYou" Flight Point for each mile flown.

There is a maximum yearly limit of 200,000 points that you can earn in any one year and your points will expire after three years if the account has been inactive during that time (there is also a 100,000 limit on "ThankYou" Flight Points earned). In addition, you'll get 15,000 extra bonus points with your first purchase made with this card.

This card offers a variety of platinum card benefits including fraud protection, travel accident insurance, concierge service, auto rental insurance and a number of different discounts from participating retailers and merchants (be sure to visit the CitiBank website for more details).

The annual $75 fee is waived for the first year. As with other comparable cards, the APR on balance transfers and purchases is slightly higher for a business credit card of this type, but it's not considered unreasonable for this type of reward card. And there's also a 0% intro APR on balance transfers for the first year of membership.