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  Citizens Bank Business Platinum Mastercard

Citizens Bank Business Platinum Mastercard

in Business Credit Cards from Citizens Bank

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Citizens Bank Business Platinum Mastercard

Unaffiliated

in Business Credit Cards from Citizens Bank

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Highlights
Purchase APR  (Variable APR) 8.24% - 19.24%
Balance Transfer APR  (Variable APR) 8.24% - 19.24%
Credit Score Range 600 - 850
Annual Fee $0

Citizens Bank Business Platinum Mastercard Review

Citizens Bank Business Platinum Mastercard FAQ

Who is Citizens Bank Business Platinum Mastercard designed for?

Citizens Bank Business Platinum Mastercard is a secured credit card credit card issued by Citizens Bank. 

Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.

This card is designed for businesses with fair credit. The minimum credit score to apply is 600.

What are the relevant APRs for Citizens Bank Business Platinum Mastercard?

Citizens Bank Business Platinum Mastercard has a variable purchase APR that ranges from 8.24% up to 19.24% . The card has a variable balance transfer APR that ranges from 8.24% up to 19.24% .

It also has a variable cash advance APR of 23.49% . Note that late payments are subject to an APR of 27.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Citizens Bank Business Platinum Mastercard have an introductory APR offer?

Yes, Citizens Bank Business Platinum Mastercard offers an introductory APR rate on balance transfers of 0% for a period of 7 months.

This card does offer an introductory APR rate on new purchases of 0% for a period of 7 months.

Citizens Bank Business Platinum Mastercard Rates & Terms
Purchase APR 8.24% - 19.24%
Balance Transfer APR 8.24% - 19.24%
Cash Advance APR 23.49%
Penalty APR 27.24%

What are the Citizens Bank Business Platinum Mastercard fees?

The following fees apply to Citizens Bank Business Platinum Mastercard:

  • There is no annual fee.
  • A late payment penalty of up to $39.
  • A returned payment fee of up to $20.
  • An overlimit fee of $39.

Does Citizens Bank Business Platinum Mastercard have a foreign transaction fee?

Citizens Bank Business Platinum Mastercard charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Citizens Bank Business Platinum Mastercard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $20
Late Payment Fee $39

Is there a Citizens Bank Business Platinum Mastercard cash back or rewards program?

No, Citizens Bank Business Platinum Mastercard does not offer a rewards program.

What are the Citizens Bank Business Platinum Mastercard benefits?

Citizens Bank Business Platinum Mastercard provides the following benefits:

  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Cellular Telephone Protection
  • Reports to major credit bureaus

Does Citizens Bank Business Platinum Mastercard report your account activity to credit bureaus?

Yes, Citizens Bank Business Platinum Mastercard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Citizens Bank Business Platinum Mastercard

  • Visit the Citizens Bank .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 7 months
Annual Fee $0
No Annual Fee
No Interest Grace Period for Late Payment 20 days
Cash Advance Fee (%) Up to 5%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 3%
Late Fee Amount $39
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $2
Over-Limit Fee $39
Returned Payment Fee $20
Customer Type Business
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Accident Insurance
Rewards Type No Rewards
Balance Computation Average daily balances (including new purchases)
Cash Advance APR (Variable APR) 23.49%
Penalty APR (Variable APR) 27.24%
Purchase APR (Variable APR) 8.24% - 19.24%
Balance Transfer Intro APR Period (Variable APR) 7 months
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 8.24% - 19.24%
Card Network Mastercard
Card Type
  • Secured

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