The Citizens Bank & Trust is a business credit card from Citizens Bank & Trust. Application typically pulls a hard report from Experian. The annual fee is $79. The ongoing APR is prime +10.00% for Platinum Cash Back accounts after a 0% introductory rate for 12 months. Approval typically requires a credit score of 650-700 or higher. Rewards: 1% cash back on everything you buy up to the first $100,000 annually. Cash back: 1% on Net Purchases up to $100K/yr (max $1,000/yr). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).