Originally Posted by Antarius

Does he fly a ton? Unless he does and will get major benefit from EXP, I'd use different cards and book F/J using the points from there.

Originally Posted by Centurion

I would just skip the Exp as I see many people not getting upgrade with Exp. I would steer him to something he would not have to worry getting a purchase rejected like any of the Chase business card products as they let you go above your credit limit as they are Visa Signature logo products. Or Amex which is not as good in my opinion but will certainly allow him a large spend each month.

Originally Posted by OskiBear

No harm in steering a bit of the spend over to an AA card for some status - doesn't necessarily need to be EXP. If he runs through that much on the card, it shouldn't come at that much of an opportunity cost. At least Platinum Pro - that'll get him OW Emerald status.

Then, he can use one of the other cards that have transferrable currency/points.

Originally Posted by Drwaz99

Sticking with the question and putting aside whether it's a good idea or not, there are so many variables that go into the starting credit limit you receive.

- His personal and buisness credit scores.
- His personal debt-to-income ratio.
- How many new cards he's gotten (on the personal side as both cards are personally guaranteed) within the past year or two.
- Number of inquiries on his personal reports.
- His personal income.
- Business Revenue.

Generally speaking, for their respective business cards, Citi will probably give him the higher out of the gate limit, but he'll likely have to pay the card off frequently with either card with that amount of spend on it. Citi business cards do have bonus categories (bonus miles from those categories don't count for LPs). Barclays gives you a bonus of 5% of your entire base miles earned during previous card member year each time you renew the card.

The only real way to know is to find the card that best suits his business needs and apply for it and see what happens.