The Citizens Bank of West Virginia, Inc. is a business credit card from Citizens Bank of West Virginia, Inc.. Application typically pulls a hard report from Experian. The annual fee is $0. Approval typically requires a credit score of 650-700 or higher. Rewards: 1 pt / $1 spent. Cash back: 1% cash back. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Underwritten by TCM Bank, N.A. (subsidiary of ICBA Payments). Community bank white-label card program. Bureau pull data not publicly verified.