Last Updated: 04/18/2025
Citizens Bank Everyday Points Business Mastercard
Unaffiliated
in Business Credit Cards from Citizens Bank
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
11.24% - 21.24%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
11.24% - 21.24%(Verified 06/21/2024)
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Annual Fee
$0
Credit Score Range
650 - 850
Citizens Bank Everyday Points Business Mastercard Review
This is a secured credit card rewards card issued by Citizens Bank. If you're wondering whether Citizens Bank Everyday Points Business Mastercard is the right card for you, read on.
Key Takeaways
- Business credit card with generous reward rate. You can get a rewards rate of up to 3.5 reward points per dollar spent.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 7 months, which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 7 months.
- APRs: Citizens Bank Everyday Points Business Mastercard has a variable regular purchase APR that ranges from 11.24% up to 21.24%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple business credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, purchase security, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Citizens Bank Everyday Points business Mastercard
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 11.24% up to 21.24% . The card has a variable balance transfer APR that ranges from 11.24% up to 21.24% .
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 it have an introductory APR offer?
Yes, this business card offers an introductory APR rate on balance transfers of 0% for a period of 7 months from account opening.
This business card does offer an introductory APR rate on new purchases of 0% for a period of 7 months.
| Purchase APR | 11.24% - 21.24% |
| Balance Transfer APR | 11.24% - 21.24% |
| Cash Advance APR | 23.49% |
| Penalty APR | 27.24% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of $39 .
- A returned payment fee of $20.
Does it charge a foreign transaction fee?
This business card 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 business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | $20 |
| Late Payment Fee | $39 |
Does it offer a cash back or rewards program?
Yes, Citizens Bank Everyday Points business Mastercard offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
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