Platinum® Business Mastercard®
No annual fee.
- 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 | $0 | $0 |
| Heavy spender | $0 | $0 |
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: not counted: 1x Participating gas stations; not counted: 4x Participating restaurants; not counted: 4x Participating hotels.
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.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · Mastercard Easy Savings® Program
- 25%Participating merchants
- 4%Participating restaurants
- 4%Participating hotels
- 1%Participating gas stations
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 for 12 months” |
Carrying a balance? See how long it takes to pay off
Benefits
- Mastercard Easy Savings® rebates are automatically applied to the monthly statement.
- Mastercard Global Service® provides worldwide, 24-hour assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advance.
- Enhanced ID Theft Protection includes identity monitoring, bureau credit monitoring, financial account takeover alerts, and white-glove restoration service.
- Zero liability for unauthorized purchases, subject to restrictions.
- Contactless payments are available wherever the contactless symbol appears.
- Digital Wallets, including Apple Pay® and Google Pay™, can be used to pay in store, online, and in app.
- Business credit card mobile app provides access to statements, payments, PIN management, and card locking.
- Rental car
- Travel accident
- Baggage: $100 per day for 3 days
Questions
- What is the annual fee?
- No annual fee citizensbank.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for 12 months. citizensbank.com, since Sep 29, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$710 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$650 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$625 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).