A credit card issuer will often use different credit scoring models to make application decisions. Which score Citi will use for your application may depend on the region you live in or which card you apply for. One forum user reported that Citi listed his FICO 8 score when it sent an adverse action letter following a rejected application. Another user reported that their Citibank card used the FICO Bankcard Score 8 model for its decision. This would make sense, as it is the same scoring model the credit card company offers to many cardholders for free each month on their statement. Still, there is no way to know for sure which FICO score — or which credit bureau — Citi will pull from when considering your application. Banks often keep that information under wraps, along with its standards for approval and minimum credit score requirements. If you want to turn to Citi as your business credit card company, you should consider one of two options. Deciding which card works best for you will depend on the type of business you run. The Costco Anywhere Visa Business Card by Citi gives you bonus cash rewards benefits if you are a Costco member. This can come in handy when stocking up on supplies or merchandise. You can still earn cash back on all other purchases at a very generous rate.