Citizens Rewards Business Credit Card Review: A Smart Choice for Travel Rewards

Unlock everyday business spending into valuable travel rewards with no annual fee.

When it comes to business credit cards, finding one that truly rewards your spending can make a big difference for entrepreneurs and small business owners. The Citizens Rewards™ Business Credit Card stands out as an appealing option, especially for those who travel frequently. With a strong focus on travel rewards, flexible redemption options, and no annual fee, this card deserves a closer look.

Rewarding Your Business Spending

The Citizens Rewards Business Card is designed to turn everyday business purchases into valuable rewards. Cardholders earn 1.5% cash back on every dollar spent, with no limits. What's more, businesses that also maintain an active Citizens Bank business checking account can earn an additional 25% bonus on their monthly cash back — effectively boosting rewards to nearly 1.875% per dollar.

This makes the card an attractive option for companies looking to maximize returns on office supplies, travel expenses, advertising, or virtually any other business-related spending.

Travel Benefits and Flexibility

Although the Citizens Rewards Business Card is marketed broadly for cash back, savvy travelers will find it especially valuable. Your rewards can be redeemed toward travel expenses such as flights, hotels, and car rentals. This flexibility is important because it allows businesses to book travel without being restricted to a particular airline or hotel chain.

Another highlight: rewards never expire as long as your account remains open and in good standing. This makes it easier to save up for bigger travel redemptions without feeling pressured to use your points quickly.

Additional Card Perks

Beyond rewards, the card offers a range of additional benefits important for business owners:

• Zero Annual Fee: Keeping costs low is a top priority for any business, and this card delivers by charging no annual fee.
• Employee Cards: Business owners can issue cards to employees at no extra charge, with the ability to set spending limits.
• Fraud Protection: Advanced security features protect businesses from unauthorized purchases, offering peace of mind.

Moreover, new cardholders may benefit from introductory APR offers on purchases or balance transfers, though these promotions can vary over time.

Things to Consider

While the Citizens Rewards Business Card is a strong contender, it’s important to note that it doesn’t offer premium travel perks like airport lounge access, travel insurance, or no foreign transaction fees. Businesses with heavy international travel needs may want to look at higher-tier travel cards if those features are critical.

Additionally, maximizing rewards requires an active Citizens Bank business checking account. Without it, you’ll miss out on the valuable 25% bonus.

Final Verdict

The Citizens Rewards™ Business Credit Card is an excellent choice for U.S.-based businesses seeking a no-fee, travel-friendly rewards card. Its simple earning structure, combined with flexible redemption options and a generous cash back bonus for banking customers, makes it a smart companion for frequent travelers.

If your business already banks with Citizens — or if you’re considering making the switch — this card can turn your everyday expenses into free or discounted business travel opportunities, keeping your team moving forward without breaking the budget.