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25,000 bonus points when you spend $5,000 in the first 90 days from account opening.
The no-annual-fee Everyday Points® Business Mastercard® is the right choice if you want rewards. Here’s the potential upside:
Points aren’t worth the industry standard 1 cent apiece, however. Rather, they’re worth 0.5 cents each. That means the 2x-point structure actually gives you a 1% rewards rate on all spending, and the 25,000-point signup bonus is worth $125.
If you take a glance at Citizens Bank’s website, you’ll see the phrase “Earn up to 3.5% in rewards when you spend $5,000 in the first 90 days.” This is composed of the $125 in value from the signup bonus as well as the 10,000 points you’ll earn from $5,000 in spending. These points are worth $50.
There’s an intro APR as well. You’ll receive a 0% intro APR on purchases for the first 7 billing cycles after account opening. After that, the ongoing APR is 11.24%, 16.24%, 19.24% or 21.24% variable. These ongoing interest rates are slightly higher than you’ll find with Citizens Bank’s other business card.
Lastly, you’ll find Mastercard benefits that can help you get more out of your card. These include MasterRental Car Insurance and cell phone protection. Also, the Mastercard Easy Savings program lets you scoop up rebates from participating merchants, including restaurants, gas stations and more.
When you apply for the Everyday Points® Business Mastercard®, you can choose between two points earning options:
If you don’t choose an option, you’ll get the default, which is Business Earn.
Enjoy a 0% intro APR on purchases for the first 7 billing cycles from account opening, then 8.24%, 14.24%, 17.24% or 19.24% variable.
The card doesn’t offer rewards, but you’ll find the same Mastercard benefits offered by the Everyday Points® Business Mastercard®. These can save you money via insurance, protection plans, rebates and more.
On the card’s application page, you’ll see a selling point that reads, “Up to 50 days working capital with 30-day billing cycles and a 20-day settlement period.” This is a nice turn of a phrase, but it’s not really a distinct advantage from the competition. Essentially, it describes a normal billing cycle and a grace period of 20 days — that is, a period during which you can pay off your balance in full before accruing interest. This is a standard business-card feature.
The two main questions to ask when deciding on a Citizens Bank business credit card are:
There are many other business cards to choose from if you want rewards. Here are two great options for flat-rate rewards:
If you’re hunting for a low APR, you can find a relatively low rate with several cards. An example is the U.S. Bank Business Platinum, which offers an ongoing purchase and balance transfer APR of 11.99% to 20.99% variable. However, it could be difficult to find a rate as low as the lowest possible purchase APR of the Citizens Bank Business Platinum Mastercard®. Also, the rate you receive will depend on your creditworthiness.
Lastly, a few cards offer better intro APRs than you’ll find with Citizens Bank cards. A few options are the American Express Blue Business Cash™ Card, U.S. Bank Business Platinum and Ink Business Cash℠ Credit Card.
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 other business-card options to find the best one for your business’s unique needs and situation.
A store card you can use exclusively at the Horizon Outlet online store.
SFGI Direct savings lets you earn 0.56% APY, but you can’t deposit checks.
The Stash debit card earns fractional shares as rewards, but balances don’t earn interest.
Personal Capital Cash has some attractive features, but you can’t deposit or withdraw cash.
Save for short- and long-term goals, plus build a nest egg for emergencies.
With no fees and a 0.7% APY, Smartypig is among today’s best savings accounts.
Thinking of going digital? This one’s for you.
Support your child’s financial knowledge and teach the important real-life money skills in a safe and controlled way with a kids’ debit card.
Two great cards for building your credit score.
Sephora regulars get to earn rewards on their purchases.