Welcome to Citizens Bank. This site is screen reader friendly.

Skip to content Skip to main navigation Skip to main sub navigation Skip to footer navigation
Three Easy Ways to Apply

Citizens Bank Everyday Points® Business MasterCard®

Earn rewards for your day-to-day purchases.

  • 0% introductory rate on all purchases for 6 months1
  • Earn 25,000 bonus points when you spend $5,000 on purchases within the first 90 days2
  • Points redeemable towards merchandise, cash back, travel, office equipment, restaurant, retail gift cards, and more



Speak to a
Business Banking Representative


Schedule a Consultation

To connect with a Business Banking Representative, please complete a quick form and we will contact you within one business day.

Find a Local Branch
Over 1,100 branches close by.


1 0.0% Introductory APR until the first day of your seventh billing cycle for your Everyday Points® Business MasterCard®. We will determine your margin and APR based upon our review of your application and your credit history.

MasterCard is a registered trademark of MasterCard International Incorporated.

Credit cards are issued by Citizens Bank, N.A.

2 EVERYDAY POINTS® BUSINESS MASTERCARD®: This Rewards Program (the “Program”) is governed by the Terms and Conditions located at citizensbank.com/small-business/cards-and-rewards/terms-and-conditions.aspx. It will explain the Program, including the following items: A) You receive two (2) Everyday Points for each $1 in purchases you make using your Everyday Points Business MasterCard.  B) You will accrue points for Purchases but not for non-purchase transactions such as Cash Advances, Cash Equivalent Transactions or unauthorized charges. C) Meeting the $5,000 purchase threshold for bonus point eligibility varies based on account set-up. 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). The spend requirement will not be based on consolidated spend on all accounts and each individual card under the account that qualifies can earn the 25,000 bonus points.  D) 25,000 bonus points will be posted to your Everyday Points Business MasterCard statement within 2 billing cycles of your meeting the $5,000 purchase threshold, as detailed above. As noted, “Business-Earn” accounts will have bonus points applied to the business account associated with the cards; “Cardholder-Earn” accounts will have bonus points applied to the individual account associated with the card. Purchases totaling a minimum of $5,000 must occur within 90 days of account opening in order to be eligible for bonus points. E) Points may be redeemed for rewards once you reach the minimum point value of 5,000.  F) Redemption fees may be charged for some items. G) Points expire after three years. H) Program subject to change.  I) Catalog items can be changed without notice. J) 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.  K) 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.  L) Additional terms and conditions may apply.  M) Customers who are in the Professionals First program will earn 25,000 bonus points upon first purchase in the first 90 days from account opening of their Everyday Points Business MasterCard.

MASTERCARD EASY SAVINGS® PROGRAM TERMS & CONDITIONS: Cardholder must be enrolled in the MasterCard Easy Savings® 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.