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Business Credit Cards

Credit cards can be a useful solution for easily tracking and managing business expenses. But with so many options, how do you choose? The local business bankers are here to help you find the card that meets your needs.

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All our cards are on the table

Choose from our popular business credit card options to find the one that works best for your business. No matter which card you choose, your business will benefit from important features.

With many confusing offers out there, make the local choice from CSB.

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Enjoy the rewards

Start off right with a 3,000 Point Bonus1 and then receive one point for every dollar you spend. Redeem points for travel, gift cards, merchandise, and even cash back. Treat yourself to a vacation, brand name appliances, or put money back in your pocket.

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The support you need

With 24-hour customer assistance, online access, and your local Citizens State Bank representatives available to help, you'll be sure to have the support you need.

Need a credit card? Apply today!

Take your pick of a Preferred Points Rewards Business Card packed with lots of fun options, or our Standard Business Card for convenience.

Standard Business Card

Features Include

  • No introductory rate
  • APR2 of prime plus 10.99%
  • No Annual Fee

Preferred Points Business Card

Features Include

  • No introductory rate
  • APR2 of prime plus 10.99%
  • Annual fee of $49
  • Cardholders can earn points3 towards a broad array of interchangeable rewards including travel, cash back, merchandise, and retail gift cards.

1Receive 1,000 bonus points each month you use your new card during the first three months after receipt.
2Please see application for current annual percentage rates, transaction, penalty, and other fees.
3Maximum of 10,000 points per month with preferred points card. To view or redeem rewards points, visit www.dreampoints.com/preferredpoints or call 866-678-5191.
Credit card program is issued and administered by TIB The Independent BankersBank, N.A. Please see application for full terms and disclosures.

Reward employees and customers with Visa Gift Cards

Visa Gift Cards are easy, convenient, and available in values ranging from $10 to $10,000; they can be used everywhere Visa is accepted. With many designs to choose from, you can show your appreciation in an impactful way.

Gift Cards


A purchase fee of $3.95 per card will apply. After 12 consecutive months of inactivity, a $2.95 monthly fee applies for every month the card is not used beginning in the 13th month. Gift cards may not be increased or reloaded after initial purchase.

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Connect with a Personal Banker.

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Open a Checking account for Your Business

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Manage accounts online.

Details you need to make a smart decision.

Data and third-party charges may apply.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If you make a deposit before 4pm CST on a business day funds are typically available the next business day. If funds are received after 4pm, the funds will be considered received on the next business day and made available to you on the business day after the date of receipt. Funds availability for mobile deposit is subject to eligibility and further review. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply. See Terms of Use for details, including information on funds availability.

Cutoff time for online transfers is 6 pm central standard time for same day availability. Transfers made after 6 pm will be available the next business day.

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