The Citizens Bank, N.A. is a business credit card from Citizens Bank, N.A.. Application typically pulls a hard report from Equifax. The annual fee is $0. The ongoing APR is 14.74% - 24.74% variable (14.74%, 19.74%, 22.74%, or 24.74% based on creditworthiness; varies with the Prime Rate) (rates accurate as of February 2, 2026) after a 0% introductory APR on purchases introductory rate for 6 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: $325 is earned when you spend $5,000 in purchases in the first 90 days from account opening (50,000 bonus points).. Rewards: 3 Everyday Points Rewards Points for every $1 spent on Eligible Purchases (redemption value 1.5% back on spend). Cash back: 1.5%. Typical credit limit: $5,000 - $50,000. Loan terms: Revolving; due date at least 20 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date each month; interest on cash advances and convenience checks from the transaction date; balance method 'average daily balances (including new purchases)'; minimum interest charge $2.00. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).