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 $249 annual fee. Approval typically requires a credit score of 650-700 or higher. Signup bonus: Eligible for 25,000 bonus points. Rewards: Earn points or cash back. 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).