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  Citizens Bank Everyday Points Business Mastercard
Citizens Bank Everyday Points Business Mastercard Unaffiliated

Citizens Bank Everyday Points Business Mastercard

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Highlights
Purchase APR  (Variable APR) 11.24% - 21.24%
Balance Transfer APR  (Variable APR) 11.24% - 21.24%
Credit Score Range 650 - 850
Annual Fee $0

Citizens Bank Everyday Points Business Mastercard Review

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% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 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 up to 7 months.
  • Competitive APRs. Citizens Bank Everyday Points Business Mastercard has a variable 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 3% every time you make a transaction outside the U.S.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Multiple business credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, purchase protection, travel accident insurance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Citizens Bank Everyday Points business Mastercard

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 7 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 7 months. There is then a variable purchase APR that ranges from 11.24% up to 21.24%.
  • No annual fee.
  • Multiple business credit card perks.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Cardholders can earn rewards on purchases everywhere Citizens Bank Everyday Points Business Mastercard is accepted.
  • Citizens Bank Everyday Points Business Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.

Citizens Bank Everyday Points business Mastercard FAQ

Who is Citizens Bank Everyday Points business Mastercard designed for?

This 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 business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

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.

Citizens Bank Everyday Points business Mastercard Rates & Terms
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 up to $39.
  • A returned payment fee of up to $20.
  • An overlimit fee of $39.

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.

Citizens Bank Everyday Points business Mastercard Fees
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:

  • 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.

What are the benefits?

This business credit card provides the following benefits:

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

What is the customer service phone number?

The customer service number for this business card is (877) 360-2472.

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

Yes, Citizens Bank Everyday Points Business 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?

  • 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.
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Message From Citizens Bank Everyday Points business Mastercard

It pays to spend on your business with Citizens Bank's no annual fee business reward card. No annual fee. Receive 2 points for every $1 you spend. Earn up to 3.5% in rewards when you spend $5,000 in the first 90 days, and up to 1% thereafter. Redeem for travel, cash back and more 1. Zero liability for unauthorized account services. And you can track, manage, and redeem your rewards through our Everyday Points website.

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Other Services by Citizens Bank

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Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 7 months
Annual Fee $0
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
No Annual Fee
No Interest Grace Period for Late Payment 20 days
Over-Limit Fee $39
Returned Payment Fee $20
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 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
Bonus Rewards Earn up to 3.5% in rewards when you spend $5,000 in the first 90 days, and up to 1% thereafter. Redeem for travel, cash back and more
Rewards Categories
  • Every Purchase
APR Type Variable APR
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) 11.24% - 21.24%
Balance Transfer Intro APR Period (Variable APR) 7 months
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 11.24% - 21.24%
Card Network Mastercard
Card Type
  • Rewards
  • Secured
  • Bonus Offers
  • Zero Percent

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