Citizens Bank Business Everyday Points® Credit Card
Editorial Note: We earn a commission from partner links on Allcards. Commissions do not affect our authors’ or editors’ opinions or evaluations. From our partners: See our advertiser disclosure here.
The Citizens Bank Business Everyday Points® Credit Card is designed for business owners who want straightforward cash back rewards. You also get a small bonus and a short 0% introductory APR window for purchases. While you can apply for a personal credit card online, business credit cards require you to make an appointment to come into a branch. Citizens Bank is in 14 states, mainly on the East Coast. This is a decent business credit card, but not amazing. We dive into the details and your approval odds in this Citizens Business Everyday review.
Our Rating
3.5/5.0
Welcome Offer
$325 in rewards
Annual Fee
$0
0% Intro on Purchases
6 months
Reward Rate
1.5%
0% Intro on Balance Transfers
N/a
Welcome Offer
Earn $325 in rewards when you spend $5,000 in the first 90 days.
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability, Identity theft protection |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Luggage Protection, Travel Accident Insurance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | Either $1.50 or up to 3% of the U.S. dollar amount of transactions, whichever is greater. |
| Regular APR | 16.49% - 26.49% (V) APR |
| Purchases | 0% Intro APR for 6 months on purchases, then 16.49% - 26.49% (V) APR after that. |
Insurance
Car Rental Loss and Damage Insurance
MasterRental® Car Insurance pays for covered damages to a rental vehicle when the eligible Mastercard was used to initiate and pay for the entire rental transaction. The Mastercard holder and those named as authorized drivers in the auto rental contract are covered. The cardholder must rent the car in his or her own name and decline the collision/loss damage waiver offered by the car rental company.
What Credit Score Is Required to Get the Citizens Bank Business Everyday Points® Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 692
Average Approved Credit Score: 755
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 01/14/2022 | Not Provided | ||
| Approved | 10/18/2022 | Equifax | ||
| Approved | 10/18/2022 | TransUnion | ||
| Approved | 10/18/2022 | Experian | ||
| Approved | 02/11/2022 | Equifax | ||
| Approved | 02/22/2022 | Experian | ||
| Approved | 02/22/2022 | TransUnion | ||
| Approved | 02/22/2022 | Equifax | ||
| Approved | 04/01/2022 | Experian | ||
| Denied | 07/10/2022 | Not Provided |
Pros & Cons
- Welcome offer
- No annual fee
- High APR
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee
Ink Business Unlimited® Credit Card
Rating
4.6
Rewards Range
1.5%
Annual Fee
$0
Capital One Spark Cash Select for Good Credit
Rating
4.5
Rewards Range
1.5% to 5%
Annual Fee
$0