Citizens Bank Everyday Points® Business Mastercard®
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Mastercard
- Intro purchase APR
- 0% for 7 months from account opening date
At a glance
The Citizens Bank Everyday Points® Business Mastercard® offers cardholders two points for every dollar they spend with their card. There is no limit to the points a cardholder can earn, and cardholders are also eligible to receive a 3.5% points bonus in the first 90 days from the date of opening an account. What’s more, this card has no annual fee. Continue reading to learn more about this credit card’s benefits.
Our review of the Citizens Bank Everyday Points® Business Mastercard®
If you’re a business owner looking to earn rewards points on your purchases, the Citizens Bank Everyday Points® Business Mastercard® is a great option to consider. With a 3.5% bonus on points in the first 90 days and no annual fee, this card offers attractive perks.
No Annual Fee
Unlike many other rewards cards, the Everyday Points® card does not charge an annual fee. This can be a big money-saver for small business owners who are conscious about their expenses. You can start earning points on your purchases without worrying about recouping an annual fee.
Earn Points on All Your Purchases
One of the standout features of this card is that you can earn two points for every dollar spent, regardless of the purchase category. This flexibility sets it apart from cards that limit rewards to specific types of purchases. New cardholders can choose between Cardholder Earn and Business Earn options for redeeming points.
New Cardholder Bonus
New cardholders can earn a 3.5% bonus on points in the first 90 days by spending $5,000. This bonus can result in up to 35,000 points, with certain businesses earning even more bonus points. Legal, medical, and accounting businesses can earn 50,000 points with the same spending requirement.
Redeem Your Points for Rewards
Points earned on the Everyday Points® card can be redeemed for cash back, gift cards, travel, and more. With special offers on gift cards, you can maximize the value of your points. Cash back rewards start at just 6,000 points for $25.
0% Introductory APR
For the first six months, cardholders can enjoy a 0% introductory APR on purchases. This can be beneficial for new business owners making significant purchases. After the introductory period, the standard interest rate will apply.
Is the Everyday Points® Card Right for You?
If you’re a business owner looking for a flexible rewards card with no annual fee and a generous points bonus, the Citizens Bank Everyday Points® Business Mastercard® is worth considering. Keep in mind that you must be a member of Citizens Bank to apply for this card. Explore other Citizens Bank card offers to find the right fit for your business needs.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- 2 reward points per $1 spent
- 3.5% introductory point bonus in the first 90 days
- 0% introductory APR
Who this card may suit
- You don’t want to pay an annual fee
- You want to earn rewards points for your purchases
- You would like to earn bonus points in the first 90 days
- You like a 0% introductory APR for 7 months
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 7 months from account opening date |
| Regular Purchase APR | 13.24%, 19.24%, 22.24% or 24.24% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 28.49% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or up to 5% of the cash advance amount, whichever is greater |
| Foreign Transaction Fee | Either $1.50 or up to 3% of the transaction amount in U.S. dollars, whichever is greater |
| Penalty APR | 27.49% |
| Late Payment Penalty Fee | $39 |
| Return Payment Penalty Fee | $20 |
| Over Limit Penalty Fee | $39 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Citizens Bank Everyday Points® Business Mastercard®
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