The Citizens Bank of Morgantown is a business credit card from Citizens Bank of Morgantown. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 20.24% variable APR for purchases and balance transfers (varies with the Prime Rate; disclosures effective February 10, 2026) after a 0.00% introductory APR on purchases, balance transfers and cash advances for the first six (6) billing cycles introductory rate for 6 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: $325 when you spend $5,000 in the first 90 days. Rewards: Everywhere Rewards Payback: 1 point per $1 spent; points redeemable toward cash back, fuel discounts and other rewards. Cash back: 1.5% on everyday business expenses. Loan terms: Revolving business credit card; payment due at least 25 days after the close of each billing period; no interest on purchases if the entire balance is paid by the due date; minimum interest charge $1.00 (or state minimum); average daily balance (including new purchases). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Community bank card program via Card Services Center. Bureau pull data not publicly verified.