Everyday Points® Business Mastercard®
50,000 points after you spend $5,000 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagecitizensbank.com
“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.”
- Annual fee
- Issuer's pagecitizensbank.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $0 | $0 |
| Typical spender | $5 | $5 |
| Heavy spender | $10 | $10 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: welcome bonus needs $5,000 in 3 months.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 65% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
50,000 points
After you spend $5,000 on purchases in your first 3 months.
The spending requirement must be met within 90 days of account opening. The 50,000 bonus points will be posted within two billing cycles after meeting the threshold, provided the account is open and in good standing at both times. For Business-Earn accounts, aggregate company card spend qualifies; for Cardholder Earn accounts, each individual card reaching the threshold qualifies. The offer is described as $325 earned when spending $5,000, plus 3 points per dollar, totaling 65,000 bonus points.
How you earn · Everyday Points
- 3× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagecitizensbank.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Intro APR | Issuer's pagecitizensbank.com “0% introductory APR on purchases for 6 months” |
Carrying a balance? See how long it takes to pay off
Benefits
- Mastercard Easy Savings provides rebates of up to 25% from participating merchants.
- Mastercard Easy Savings provides an additional 4% rebate when dining at participating restaurants or staying at participating hotels.
- Mastercard Easy Savings provides an additional 1% rebate for gas purchases at participating gas stations.
- Mastercard Easy Savings rebates are automatically applied to the monthly statement. Enrollment is required, and payment must be made in full at a participating merchant with the eligible card.
- 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, including identity monitoring, bureau credit monitoring, financial account takeover alerts, and white-glove restoration service.
- Zero liability for unauthorized purchases.
- Contactless payment and digital wallet support, including Apple Pay and Google Pay.
- Business credit card mobile app access for viewing statements, making payments, managing the PIN, and locking the card.
- Rental car
- Travel accident
- Baggage: $100 per day for up to 3 days
Questions
- What is the annual fee?
- No annual fee citizensbank.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for 6 months from account opening. citizensbank.com, since Sep 29, 2026
- Is there a welcome bonus?
- 50,000 points after $5,000 in purchases in 3 months. citizensbank.com, since Sep 29, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$895 a year
- GM Rewards MastercardBarclays · No annual fee+$895 a year
- CareCredit MastercardSynchrony · No annual fee+$705 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).