The Staples Business Advantage Credit Card (Citibank) is a business credit card from Staples Business Advantage Credit Card (Citibank). Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 27.99% variable. Approval typically requires a credit score of 650-700 or higher. Rewards: 5% back in Staples rewards on qualifying in-store and online purchases. Low price guarantee. Employee cards available. Net 30 billing terms for qualifying businesses.. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Citi enforces an 8/65/95 rule (max 1 card per 8 days, 2 cards per 65 days, no more than 1 business-card every 95 days). Sign-up bonuses on Citi cards are restricted to 48 months from your last bonus on that card family..