
Citizens Bank Everyday Points Business Mastercard
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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
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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.
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.
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.
Message From Citizens Bank Everyday Points business Mastercard
Contact
- Headquarters
-
1 Citizens Plz
Providence, RI 02903 USA - (877) 360-2472
- Visit Site
Other Services by Citizens Bank
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 7 months |
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