Compare top Citizens Bank business cards | finder.com

Compare top Citizens Bank business cards – October 2018

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Sometimes you don’t need a large selection of credit cards to find the right one for your business.

Citizens Bank is one of the oldest banks in the US, established in 1828. Today, it operates across 11 states with more than 1,150 branches and 3,300 ATMs. But even if you don’t live in any of the states where the bank has a branch, you can still apply for a credit card and enjoy its perks and benefits.

This global financial services giant first issued its American Express® Gold Card in 1966. Today, it offers cards for individuals, small businesses and corporations that feature travel, cash back and access to a catalog of goods and services through its Membership Rewards® Program.

Compare Citizens Bank business credit cards

Updated October 22nd, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
Everyday Points® Business Mastercard®
Everyday Points® Business Mastercard®
12.99%, 17.99%, 20.99% or 22.99% variable
0% for the first 13 billing cycles (then 12.99%, 17.99%, 20.99% or 22.99% variable)
$0
It pays to spend on your business with Citizens Bank's no annual fee business reward card.
Business Platinum Mastercard®
Business Platinum Mastercard®
9.99%, 15.99%, 18.99% or 20.99% variable
0% for the first 13 billing cycles (then 9.99%, 15.99%, 18.99% or 20.99% variable)
$0
Up to 50 extra days of working capital with 30-day billing cycles and a 20-day settlement period combined with traditionally lower rates than a personal credit card make this business card a smart choice for managing your cash flow.

Compare up to 4 providers

Best Citizens Bank credit cards

Jump to …

Best business card for earning rewards: Everyday Points® Business Mastercard®

This is a small business credit card that lets you earn points on every purchase. You can redeem points for travel rewards, cash back, gift cards, merchandise and debit cards. Furthermore, you’ll get a long intro APR on purchases that can be useful if you’re looking to stock up on inventory.

And the best part? You get all these perks without paying an annual fee.

When you apply for the Everyday Points® Business Mastercard®, you can choose between two points earning options:

  • Cardholder Earn. For this option, each cardholder accrues points on their individual cards, and they can earn the signup bonus individually. Point redemption in this case is also individual.
  • Business Earn. If you choose this option, each cardholder accrues points for one master account, and they all contribute toward the signup bonus and points earning. Redeeming points in this case can only be made by the master account cardholder.

If you don’t choose an option, you’ll get the default, which is Business Earn.


Best business card for payment flexibility: Business Platinum Mastercard®

Small businesses looking for a no-annual-fee card with a low APR on purchases could find this card useful. Based on your creditworthiness, you can get a variable APR as low as 9.99%, which, in addition to the long intro APR period on purchases, could considerably lower your expenses.


How to compare Citizens Bank credit cards

The two main questions to ask when deciding on a Citizens Bank business credit card are:

  • Do you want to earn rewards for your spending? If your business has high monthly expenses and you’re looking to capitalize on that, consider getting the Everyday Points® Business Mastercard® to earn points on all of your business purchases. Once you accrue enough points, you can redeem them for travel rewards, merchandise, gift cards and more.
  • Does your company often carry a balance? For businesses that have cashflow difficulties, the Business Platinum Mastercard® could be the right choice. With a long intro APR period on purchases and a relatively low ongoing APR, you’ll be able to carry your balance with minimal interest.

Compare business credit cards

Updated October 22nd, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
None (Charge Card)
$450
New cardholders can earn 75,000 Membership Rewards® bonus points by spending $10,000 on purchases for the first 50,000 points and then another $10,000 for the next 25,000 points on their new card in the first 3 months.
None (Charge Card)
$0 annual fee for the first year ($250 thereafter)
This charge card gives you the option to pay in full each month or to carry a balance for up to 60 days with no interest.
20.24% variable
$0 annual fee for the first year ($175 thereafter)
Earn 50,000 Membership Rewards® points after you spend $5,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
14.24%, 19.24% or 21.24% variable
0% for the first 9 months (then 14.24%, 19.24% or 21.24% variable)
$0
Save on interest with a 0% intro APR on purchases for 9 months; after that your APR will be 14.24% - 21.24% variable.
14.99% to 20.99% variable
0% for the first 12 months (then 14.99% to 20.99% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
17.74% to 22.74% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®.
17.74% to 24.74% variable
$0 annual fee for the first year ($99 thereafter)
75,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
24.74% variable
$0
Get the credit you want for your business, and unlimited 1% cash back on every purchase, every day.
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5X miles per dollar on every purchase, every day.
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2 miles per dollar on every purchase, every day.
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5 cash back on every purchase, every day.
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2% cash back from Spark Cash could mean thousands of dollars each year going back into your business. No minimum to redeem.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
17.74% to 24.74% variable
0% for the first 9 months (then 17.74% to 24.74% variable)
$99
Earn 2x points on Southwest® purchases and 1x point on all other purchases. Plus 6,000 anniversary bonus points.
17.99% to 25.99% variable
$0 annual fee for the first year ($99 thereafter)
For a limited time, earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening.

Compare up to 4 providers

Why choose a Citizens Bank business credit card?

  • Zero liability. You won’t be held liable for unauthorized purchases made with your card.
  • Chip cards. Get increased security with hard-to-counterfeit chip cards.
  • Identity theft services. In case of identity theft, get help replacing cards, completing an affidavit and more.
  • Extended warranty. Doubles the original manufacturer’s or store brand’s warranty for up to 12 months on eligible purchases made with your card.
  • Price protection. When you purchase something with your card for over the advertised price, you can get a partial refund for up to 60 days following the purchase.
  • Citizens Bank mobile app. Download the mobile banking app and make payments, transfer money between accounts, monitor account activity and more.

Find the right business card

Just two clicks to see our recommendation.


Bottom line

Citizens Bank offers two business credit cards that could be a decent addition to your wallet, even if you don’t reside in a state where Citizens Bank has branches.

You can choose between a card with a relatively low ongoing APR on purchases, and a card that lets you earn points that are redeemable for a host of rewards. Aside from each card’s specific features, you get a host of perks and benefits courtesy of Mastercard — all without paying an annual fee.

As always, compare your credit card options to find the best one for your business’s unique needs and situation.

Frequently asked questions

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
Go to site