The Citizens Bank is a business credit card from Citizens 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% for 6 months 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% on everyday business expenses. 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). [SOFT PULL ONLY] | EXPERT REFERENCE (Dec 2025): David landed a $35,000 Citizens Bank card using a soft pull only | EXPERT REFERENCE (Aug 2025): Historically soft pull | EXPERT REFERENCE (Aug 2025): Easy online app | EXPERT REFERENCE (Aug 2025): $35K–$50K approvals reported | EXPERT REFERENCE (Sep 2025): Citizens Bank's Business Platinum Credit Card offers 0% interest for 12 months. | EXPERT REFERENCE (Sep 2025): A user was approved for a $25,000 line of credit through Citizens Bank's Business Everyday Points Credit Card. | Underwritten by TCM Bank, N.A. (subsidiary of ICBA Payments). Community bank white-label card program. Bureau pull data not publicly verified.