Citi has one of the highest average credit scores, with typical cardholders scoring around 750, but has entry - level options as well. (cardrates.com)
Where the calculations for business and consumer cards differ is in the spending levels and the spending categories we use to control for how the typical cardholder might use these cards. (moneysense.ca)
Read this excerpt from a typical cardholder agreement (in this case a TD Visa card): (canadianprofiteer.com)