The Citizens Bank & Trust Company is a business credit card from Citizens Bank & Trust Company. Application typically pulls a hard report from Experian. The annual fee is $0 for Platinum, $79 for Platinum Cash Back. The ongoing APR is Prime + 12.00% for Platinum, Prime + 10.00% for Platinum Cash Back. Approval typically requires a credit score of 650-700 or higher. Rewards: 1% cash back on net purchases up to $100K/yr for Platinum Cash Back. Cash back: 1% on net purchases up to $100K/yr (max $1,000/yr rebate) for Platinum Cash Back. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).