Everyday Points® Business Mastercard®
You’re giving it all to your small business, we want to give back a little more.
- Earn $325 in rewards when you spend $5,000 in the first 90 days1
- Thereafter, earn unlimited 1.5% in rewards on your everyday business expenses
- 0% introductory APR on purchases for 6 months from account opening – after that, a variable APR of #ProductLine=CreditCard|Brand=citizensbank|ProductName=Everyday Points Business Debit Card|RateName=Annual Fees|ProductAttribute=RateValue#2
- No annual fee†
- Zero liability for unauthorized account services.5
- Keep track and redeem your rewards on our Everyday Points website
†Review terms and conditions >
Everyday Points® Business Mastercard® Perks
Security, protection, and convenience
Your business rewards card has your back when it comes to travel, purchase protection, and account management.3 Use it and enjoy:
- Travel Accident Insurance and $100 per day for 3 days in the event of a baggage delay
- Mastercard Global Service® provides worldwide, 24-hour assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advance
- 24/7 online account services
- Enhanced ID Theft Protection, which includes identity monitoring, bureau credit monitoring, financial account takeover alerts, and white-glove restoration service
- Zero liability for unauthorized purchases5
- Simply Tap and Go with our Contactless Credit Card for fast, easy and secure checkout wherever you see the contactless symbol
- Use Digital Wallets, including Apple Pay® and Google Pay™ to pay in store, online, and in app*.
Get our business credit card mobile app* for on-the-go access
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Please note: Citizens Business Banking Products and Services are offered in the following states: Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia and Washington, D.C.
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
1 $325 is earned when you spend $5,000 in purchases in the first 90 days from account opening (50,000 bonus points) plus 3 points for every dollar spent, totaling 65,000 bonus points. 1.5% thereafter is earned for every dollar spent (3 points). Each point is worth .005 cents. Redemption values are 1.5% for all redemption options, however, gift cards and merchandise can vary slightly due to shipping costs or special offers. Purchases totaling a minimum of $5,000 must occur within 90 days of account opening in order to be eligible for bonus points. Meeting the $5,000 purchase threshold for bonus point eligibility varies based on account setup. For “Business-Earn” accounts, the purchase threshold will be met by the aggregate spend of all cards under the company, and the bonus points will be applied to the business account. For “Cardholder Earn” accounts, each individual card under the master account that reaches the $5,000 purchase threshold is eligible for bonus points; these bonus points will be posted to the individual account(s). 50,000 bonus points will be posted to your Everyday Points Business Mastercard statement within two billing cycles of your meeting the $5,000 purchase threshold, as detailed above. Accounts must be open and in good standing, both at the time of reaching the purchase threshold and at the time bonus points are posted to your account statement, in order to receive points. You are solely responsible for any taxes that may be owed as a result of rewards earned and/or redeemed under this card. Please consult your tax advisor. Citizens Bank, N.A. does not provide tax advice. Additional terms and conditions may apply.
2 Variable APRs will vary with the market based on the Prime Rate. The Index is determined monthly, and it is the Prime Rate published in the northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month. If the first day of the preceding month is not a business day, the Bank will use the Prime Rate published on the next business day. We will determine your margin and APR based upon our review of your application and your credit history. If approved, your margin and APR will be shown on the Pricing Addendum, which will be provided with your credit card and your Agreement. This offer is only available on new accounts and if the business does not already have a Business Mastercard with Citizens Bank, N.A. The information about the costs of the card described in this application is accurate as of #ProductLine=CreditCard|Brand=citizensbank|ProductName=Citizens Cash Back Plus World MasterCard|RateName=Annual Fees|ProductAttribute=RateValue#. To find out what may have changed, call us at 866-248-4936.
3Certain conditions, restrictions and exclusions apply. See the Mastercard Guide to Benefits for complete program details.
4 MASTERCARD EASY SAVINGS(R) PROGRAM TERMS & CONDITIONS: To receive all of the rebates being offered, Cardholder must be enrolled in the Mastercard Easy Savings (R) Program at the time of purchase. Payment must be made in full at a participating Merchant location with an eligible Mastercard small business credit card, signature debit card or business prepaid card issued by a U.S. Bank. Purchases do not qualify for the program if the purchase transaction is a PIN-based transaction, originated outside of the U.S. or not processed through the Mastercard U.S. transaction processing system. The rebate will appear on your statement after the purchase has posted to your card account, not on the receipt, and may not be reflected until the next statement. Other terms and conditions apply. For more information, visit easysavings.com.
5 Certain restrictions apply, see http://www.mastercard.us/zeroliability for further details.
*Wireless carrier, text and/or data charges may apply.
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC. Google Pay works on Android devices running Android Lollipop 5.0 or above.
All accounts, loans and services are subject to individual approval.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.
Mastercard, Business Mastercard, Business Platinum Mastercard and Mastercard Easy Savings are all registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.
Credit cards are issued by Citizens Bank, N.A.