The Citizens Bank of Morgantown, Inc. is a business credit card from Citizens Bank of Morgantown, Inc.. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee. 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: Rewards. Cash back: 1.5% on everyday business expenses. 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.