The Citizens Bank of Chatsworth is a business credit card from Citizens Bank of Chatsworth. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Variable, based on Prime Rate + margin (set at approval) after a 0% introductory rate for 6 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: 50K bonus pts after $5K spend in 90 days. Rewards: 3 pts/$1; 50K bonus pts after $5K spend in 90 days. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Underwritten by TCM Bank, N.A. (subsidiary of ICBA Payments). Community bank white-label card program. Bureau pull data not publicly verified.