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Card Comparison

AT&T Universal Business Rewards Card	CitiBusiness^® / AAdvantage^® MasterCard^®	CitiBusiness^® / AAdvantage^® Visa^® card	Staples Business Credit Card--Revolving
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Earn 5 ThankYou^® Points for every $1 spent on eligible products/services purchased directly from AT&T² Earn 3 points for every $1 spent on purchases at certain office supply merchants, gas stations and on professional services² Earn 1 point for every $1 you or your employees spend on other purchases²	Earn 25,000 American Airlines AAdvantage^® bonus miles after $750 in purchases within 4 months² Earn up to 150,000 AAdvantage^® miles per calendar year--that's enough AAdvantage^® miles for multiple award travel redemptions² Purchases made on your employee accounts are eligible for AAdvantage^® miles²	Earn 25,000 American Airlines AAdvantage^® bonus miles after $750 in purchases within 4 months² Earn up to 150,000 AAdvantage^® miles per calendar year--that's enough AAdvantage^® miles for multiple award travel redemptions² Purchases made on your employee accounts are eligible for AAdvantage^® miles²	Manage expenses with itemized invoices that show what was purchased & where, plus how much was spent Get automatic membership in the Staples Rewards^SM program Manage your cash flow with revolving payment terms; pay in full or make the minimum payment

Annual Fee	Annual Fee	Annual Fee	Annual Fee
No Annual Fee	$75.00¹	$75.00¹	No Annual Fee
Purchase APR	Purchase APR	Purchase APR	Purchase APR
0.00% APR on purchases for 6 months,; then 10.24%Variable¹	13.24% Variable¹	13.24% Variable¹	20.80%¹
Balance Transfer APR	Balance Transfer APR	Balance Transfer APR	Balance Transfer APR
N/A	N/A	N/A	N/A
Key Benefits Control spending with individual credit limits Quarterly & annual account summaries separated by employees & purchase category 24/7 Personal Business Assistant to arrange business dining, travel & entertainment	Key Benefits No blackout dates on award travel² Save $50 on a new Admiral's Club^® membership or $25 on a renewal²	Key Benefits No blackout dates on award travel² Save $50 on a new Admiral's Club^® membership or $25 on a renewal²	Key Benefits No Annual Fee Get a credit line that’s dedicated to your Staples purchases Manage your account and pay your bill online


¹Terms & Conditions ²Reward Program Information ³Additional Disclosures	¹Terms & Conditions ²Award Program Information ³Additional Disclosures	¹Terms & Conditions ²Award Program Information ³Additional Disclosures	¹Terms & Conditions