I've seen a couple of warnings about getting the Citi Professional card vs the Consumer card, but I havent seen any concrete reasons to avoid the pro card. Citi rep told me that they don't track spending and you can use it for personal spending. Only requirement is that you are employed.

So what are the real differences? I'm sure it is advantageous to Citi to have it be a pro card, or they wouldn't do such an strong upsell. What do they gain?

Thanks,

Ico

Edit by Moderator: There may be other useful information dealing about this topic discussed Here.

I believe on the citi pro card, you get 5 points per dollar spent at restaurants

bk2 said: none of them can answer what specific consumer rights don't apply to this card. Ciri reps arent lawyers and are not qualified to provide legal advice.

andymin said:Citi Professional Card offers 3 thankyou pts per 1 dollar spend at restaurants.
I stand corrected.

Read the back of your CC statement or the T&Cs of the card.

Not only are there differences in the "0% liability" between business and personal cards (mostly relating to employee misuse), the chargeback/dispute rights may differ if you are unsatisfied with a product.