The Citizens Bank & Trust is a business credit card from Citizens Bank & Trust. Application typically pulls a hard report from Experian. The annual fee is $249.00 for the first card; $49 for each additional card.. The ongoing APR is 16.74% variable (terms dated February 10, 2026) after a 0.00% introductory APR for the first six (6) billing cycles on purchases, balance transfers and cash advances introductory rate for 6 months. Approval typically requires a credit score of 740-850 or higher. Signup bonus: Eligible for 25,000 bonus points. Rewards: Everywhere Rewards: 1 point per $1 of qualifying purchases; points redeem for gift cards, cash back (minimum $25 per cash-back redemption), travel, merchandise, experiences, event tickets or charity; points expire on the last day of the month three years after they are earned. Cash back: 1.5% on everyday business expenses. Loan terms: Revolving 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 each month; minimum interest charge $1.00 (or state minimum). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).