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). Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus.. Community bank card program via Card Services Center. Bureau pull data not publicly verified.