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  Citizens Bank Everyday Points Business Mastercard

Citizens Bank Everyday Points Business Mastercard

in Business Credit Cards from Citizens Bank

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Citizens Bank Everyday Points Business Mastercard

Unaffiliated

in Business Credit Cards from Citizens Bank

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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

Citizens Bank Everyday Points Business Mastercard FAQ

Who is Citizens Bank Everyday Points Business Mastercard designed for?

Citizens Bank Everyday Points Business 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 650.

What are the relevant APRs for Citizens Bank Everyday Points Business Mastercard?

Citizens Bank Everyday Points Business Mastercard 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 Citizens Bank Everyday Points Business Mastercard have an introductory APR offer?

Yes, Citizens Bank Everyday Points Business 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 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 are the Citizens Bank Everyday Points Business Mastercard fees?

The following fees apply to Citizens Bank Everyday Points Business 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 Everyday Points Business Mastercard have a foreign transaction fee?

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

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

Citizens Bank Everyday Points Business Mastercard offers a rewards program to its customers. This card offers rewards to businesses that use the card to make purchses in the following categories:

  • Every Purchase

Does Citizens Bank Everyday Points Business Mastercard have a signup bonus?

Citizens Bank Everyday Points Business Mastercard doesn't offer a cash signup bonus.

Does Citizens Bank Everyday Points Business Mastercard offer an annual loyalty bonus?

Citizens Bank Everyday Points Business Mastercard doesn't offer a cash loyalty bonus.

What are the Citizens Bank Everyday Points Business Mastercard benefits?

Citizens Bank Everyday Points Business Mastercard provides the following benefits:

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

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 for Citizens Bank Everyday Points Business 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.
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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

Every Purchase (Points) Starting at 2
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 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
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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