CitiBusiness ThankYou Card, 20K/40K Signup Bonus Available in Branch

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CitiBusiness ThankYou Card

CitiBusiness ThankYou Card, 20K/40K Signup Bonus Available in Branch

CitiBusiness ThankYou Card is a business credit card from Citi that is not very much talked about. One of the reasons is that it is only available in branch, and the bonus varies between 20K and 40K. But it is possible to get matched to the higher bonus even if the bonus in your area is only 20K.

The Offer

Earn 40,000 (or 20,000) bonus ThankYou points after $3,000 in purchases within the first 3 months of account opening. The offer will vary by location.

Getting Matched to Best Offer

Even if only the 20K offer is available in your area, it is possible to get matched to the higher offer.

Secure message won’t work. As SJ10 explains on r/churning, you want to fax/mail a request and attach your name, address, card no/thank you #, etc with it. Fax to 1-866-533-8823 or mail to ThankYou Service Center, PO Box 6278, Sioux Falls, SD 57117. There’s also a more recent DP of successful match.

Card Details

  • Earn 3 TYP per $1 spent on eligible purchases in quarterly rotating business categories
    • Q1 – Advertising Services, Office Supply Merchants, Professional Services
    • Q2 – Computer Equipment and software merchants, Telecommunications merchants
    • Q3 – Airlines, Hotels, and Car Rental Merchants
    • Q4 – Restaurants and Entertainment
  • Earn 3 TYP per $1 spent on all other purchases
  • Anniversary TYP bonus each membership year
  • No Annual Fee


One hassle with this card is that it is available in branch only, so you need to have a Citi branch nearby to apply. Then, the offer varies between 20K and 40K. But with some effort it looks like everyone should be able to get the better offer.

Besides the signup bonus, there’s also a few more positives for this product. It is a business credit card which means that it will not be reported on your personal credit report and it is also considered a different family of products from personal ThankYou Points cards. So you can get the bonus even if you have opened or closed a personal ThankYou Points card in the last 24 months.

Regarding ThankYou Points earned from the points and from using the card, they can be combined with personal cards like Citi Prestige by calling in.


Mane readers are probably restricted by the 24 month rule on TYP cards, so this could be a good option to add more points to your TYP balance, if you have a branch nearby.

HT: Doctor of Credit

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  1. “Earn 3 TYP per $1 spent on all other purchases”

    Is this a typo? Do you mean 1 TYP? Otherwise having bonus categories makes no sense.


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