The Citizens Business Bank is a business credit card from Citizens Business Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Variable APRs will vary with the market based on the Prime Rate. after a 0% 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 points for every dollar spent, totaling 65,000 bonus points.. Cash back: 1.5%. Typical credit limit: $5,000 - $50,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).