The Citizens Bank & Trust VA is a business credit card from Citizens Bank & Trust VA. Application typically pulls a hard report from Experian. The annual fee is $95. The ongoing APR is 24.49% (Variable) after a 0% introductory rate for 6 months. Approval typically requires a credit score of 740-850 or higher. Signup bonus: Earn up to 150,000 bonus miles—75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months. Rewards: 2X miles on every purchase, everywhere; 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel. 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).