Citizens Bank Business Platinum Mastercard®
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 Platinum Mastercard® is for business owners who want a 0% introductory APR to make a major purchase. It also helps if you live in one of the states that Citizens Bank operates in: Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, and Virginia, as well as Washington, DC. There is no online application for this card, instead, you are encouraged to make an appointment to come into a branch. Other than the low starting interest rate and the 0% intro APR offer, this is a basic business credit card. We dive into the details and your approval odds in this Citizens Business Platinum review.
Our Rating
3.5/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
12 months
Reward Rate
No rewards
0% on Balance Transfers
N/a
Welcome Offer
None
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, 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 | 13.49%, 19.49%, 22.49% or 24.49% (V) APR |
| Purchases | 0% Intro APR for 12 months on purchases, then 13.49%, 19.49%, 22.49% or 24.49% (V) APR after that. |
Insurance
Lost Baggage Insurance
$100 per day for 3 days in the event of a Baggage Delay.
Certain conditions, restrictions and exclusions apply. See the Mastercard Guide to Benefits for complete program details.
What Credit Score Is Required to Get the Citizens Bank Business Platinum Mastercard®
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: 800
Average Approved Credit Score: 800
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 12/10/2022 | Equifax |
Pros & Cons
- No annual fee
- 0% intro APR on purchases
- No welcome bonus
- No rewards
- Foreign transaction fee
- Requires good credit
- No online application
What Are the Best Alternatives?
Ink Business Unlimited® Credit Card
Rating
4.6
Rewards Range
1.5%
Annual Fee
$0
U.S. Bank Triple Cash Rewards Visa® Business Card
Rating
4.5
Rewards Range
1% - 5% Cash Back
Annual Fee
$0
BMO Business Platinum Credit Card
Rating
4.0
Rewards Range
No rewards
Annual Fee
$0