The The Citizens Bank is a business credit card from The Citizens Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 18.24% - 26.24% Variable after a 0% introductory rate for 6 months. Approval typically requires a credit score of 650-700 or higher. Rewards: true. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).