The Citizens First Bank is a business credit card from Citizens First Bank. Application typically pulls a hard report from Experian. The annual fee is $0 for first year, then $95. The ongoing APR is 15.49% - 24.49% Variable after a 0% introductory rate for 9 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: 10,000 bonus points after you spend $3,000 in the first 90 days. Rewards: Rewards. Cash back: 5% cash back on utilities and wireless phones for the first 12 months, then 3%. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).