Citizens Bank offers the Citizens Bank Everyday Points Business Mastercard, it comes with a sign up bonus of 25,000 points so I thought I’d do a quick review of the card.
The Basics
- Sign up bonus of 25,000 points after $5,000 in spend within the first 90 days
- Card earns 2x points on all purchases
- No annual fee
- 0% Introductory APR for first six months
Details On Points Earned
- Points expire 36 months after the month in which they are earned
- Points can be redeemed for the following:
- Cash back deposited to your Citizens account
- Gift cards
- Travel rewards
- Business rewards
- Personal items
- Track, manage and redeem your points through our Everyday Points website
- No limit on the amount of points you can earn
Points aren’t very valuable at all, if you go to: https://www.citizensbankeverydaypoints.com/rewards/ and click browse catalog you can see the following redemption options:
- 6500 points for a $25 gift card
- 30,000 points for a $150 gift card
Basically best value is 0.5¢ per point (thanks to reader JB).
Our Verdict
This card is pretty terrible, sign up bonus is basically worth a maximum of $125 in gift cards and card earns a maximum of 1% back in gift cards on all purchase other cards earn at a higher rate on every day purchases. Definitely give this one a miss!
