The Citizens National Bank is a business credit card from Citizens National Bank. Application typically pulls a hard report from Experian. The annual fee is None. The ongoing APR is 17.74% to 27.99% based on your creditworthiness when you open your account. after a 0% introductory APR for the first 12 billing cycles. introductory rate for 12 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: $150 bonus Awarded when you spend $500 within the first 90 days.. Rewards: Earn up to 5% cash back in 2 categories you choose.. Cash back: 5% cash back in two categories of your choice – first $2,000 in combined purchases each quarter. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Underwritten by Elan Financial Services (US Bank program). Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%).