Citi Professional Card

APR for Purchases: 12.24%*
0% APR for 12 Months and is applied to Purchases and Balance Transfers*
The minimum APR for cash advances is 21.99%*
No Annual Fee*

*These are accurate as of 3/23/2011, I would go to the official website for up to date info

The Citi Professional credit card is designed for people who wish to use a different credit card to keep their personal and business finances separate. You can use this credit card for both your business purchases and your personal ones. This makes things much more convenient especially for tax reasons.

It offers a low APR for purchases and an online expense reporting tool, which allows cardholders to categorize card activity and create easy-to-read expense reports.

The online expense reporting tool is pretty handy, but it isn't that big of a deal. If you use Microsoft Money or Excel you can pretty much make the same reports and graphs as the reporting tool that Citi provides.

If you are looking for a reward card with a low APR you might want to try out the the Citi Professional cash card or the Citi Professional with ThankYou Network. Both of those cards offer a good cash back reward but their APRs are a little bit higher than this card.

Overall, if you are just looking for a credit card with a low APR that you can use to categorize your personal and business expenses, you can't go wrong with the Citi Professional card.