Citizens Bank credit cards offer cash back rewards and/or long 0% introductory APR periods to people with excellent credit. Both of the Citizens Bank credit cards that are available right now also have $0 annual fees as well as secondary benefits such as extended warranty protection. You can learn more about the latest offers below. If you have a question about an existing account, you can reach Citizens Bank credit card customer service at 800-684-2222.
There’s no reminders for when upcoming payments are due. My other credit card always texts a reminder so I can easily pay it on time. I was late one time due to overlooking when the payment was due. Their response to this was significantly decreasing my credit limit so that my credit card usage jumped to 93.75%. I was shocked when I checked my credit score and there was a huge decrease in my credit score from their extreme over reaction to one late payment.
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Product: Citizens Bank Credit Cards
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HAS @juwhari
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3 Star Rating
Verified Customer
Only problem with card is it consumes time before it allows you to pay the balance on your acount and then it reports you which affects your credit score. This issue has to be corrected.
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Product: Citizens Bank Credit Cards
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Robert @robertleo4365
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1 Star Rating
Verified Customer
Account was paid on time has not been credited to my account and reduced my $20,000. Credit limit to $2500. charged a $35.00 dollar late charge talked to agent on phone and all was straightened out except I took a 31 point hit on my credit score and still awaiting a confirmation letter that was promised. 00000 stars.
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Product: Citizens Bank Credit Cards
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Dennis @dennismast91
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5 Star Rating
Verified Customer
Great terms and credit limit. Needs better mobile app, but website is very easy to use. Customer Support is outstanding. Would definitely recommend this bank.
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Product: Citizens Bank Credit Cards
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pezaholic1963 @pezaholic1963
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1 Star Rating
Customer service is very rude they shouldn't be arguing with the customer they should be explaining and not trying to rush off the phone had problems with payments many times where they said they received it then they said they didn't ,called on many occasions and got different answers from different customer services got so peed off canceled out the credit card (Cashback). &even with atm cards they frozen my card on a weekend that left me embarrassed when I went to use it and even my cellphone was shut off because I make my monthly payments with the card and the card would not go threw for payment .. couldn't reach anyone over the weekend and when I did reach someone this is what was said" we froze it because we seen a suspicious charge... I said what charge ??they in return said 100 gallon of oil .. omg I use my ATM card all the time for bills just look at charges they get billed to my address, that was a poor excuse from them not even a text or call to question a charge ?!!!! Just shut me off on a weekend with no cell phone and no money ..!!!!!
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Product: Citizens Bank Credit Cards
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buyers_berms0p @buyers_berms0p
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1 Star Rating
Terrible customer service, no credit card services capability in iPhone app, wait times on the phone have always been greater than 20 minutes, and online portal is frequently throwing errors of some sort. Difficult to pay online and even more difficult to pay by phone. Don’t understand how this company is still alive in this day and age with the antiquated back end user support that is provided. Please get better at what you do. Definitely will not be coming back.
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Product: Citizens Bank Credit Cards
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nancy @nancieblack
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5 Star Rating
Verified Customer
I have been with Citizens Bank for 19 years and I love this bank and I don't want any other credit card or bank in my portfolio..
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Product: Citizens Bank Credit Cards
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thehazh @thehazh
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1 Star Rating
Worst credit card customer service ever. Lost my card and reported the same day...after a 36 min hold time on the phone! Was assured my replacement card was sent by express mail and would arrive within 3 business days, but it has been 8 business days already and still no card. Called customer service to follow-up and am currently on hold again. It has been 47 min already, as I type this review while on hold. Not even a auto call-back option like other banks/credit card services. The only other way to contact them is via snail mail. No email or online chat. To top it all off, they provide zero liability protection for unauthorized transactions, so whatever the thief has purchased on your stolen card comes out of your pocket. Avoid the Citizens Bank credit card like the plague. Whatever attractive card features they offer is ultimately useless when the customer service is this pathetic. [Note: this review is specifically for Citizens Bank Credit Card Services, which is outsourced to a different entity. This is not for the bank's regular services like debit card, saving/checking account, etc., that are handled by the bank directly].
Worst company to have a credit card with. I had a credit card with them and only because one payment got reversed I was told that because it was not honored the account was closed. I would not give anyone an advice to stay with citizens or have their credit card. Worst company ever. The customer service was rude on the phone and pretty much made it seem like they don’t care that my account was closed without any notice. She said it’s citizens policy to close accounts if the payment isn’t honored.
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Product: Citizens Bank Credit Cards
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Beth Lynch @Lschrothster
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1 Star Rating
I have had a Citizens Bank credit card for about 20 years. The worst issue I have had with them was a disputed charge from December 2021. I was extremely disappointed in the customer service. Over a couple of months I made numerous calls. Every time the representative seemed to not have any knowledge of what had gone on previously so I would have to explain the whole problem over again. I faxed everything they asked me for, more than once, and then they would claim that they never got it. They would never return my calls. Now I have decided to drop this card. It was a very frustrating and stressful experience.
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Product: Citizens Bank Credit Cards
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Review Citizens Bank Credit Cards
Citizens Bank Credit Cards FAQ
Get answers to your questions about Citizens Bank Credit Cards below. For more general questions, visit our Answers section.
The starting credit limit for a Citizens Bank credit card is $500.
But after at least 2 months of opening your account, you could request a credit limit increase online or by calling (800) 684-2222.
A credit limit increase could result in a hard pull. This may hurt your credit score for a little while. So only request an increase if you've been paying your bills on time and in full, or if your credit score and income have improved since opening your account
The best Citizens Bank business credit card is the Citizens Bank Everyday Points® Business Mastercard® because it offers 3 points per $1 spent on all purchases. With this card, you also get 50,000 points after spending $5,000 in the first 90 days. Plus, the card has a $0 annual fee. However, this isn't your only option.
The Citizens Bank Everyday Points® Business Mastercard® offers 3 points per $1 spent on all purchases. The card also gives you 50,000 points after spending $5,000 in the first 90 days. The Citizens Bank Everyday Points® Business Mastercard® also comes with an intro APR of 0% for 6 months on purchases. The card's regular APR is 13.49% - 23.49% (V). This card has a $0 annual fee.
The Citizens Bank Business Platinum Mastercard® Credit Card offers an intro APR of 0% for 6 months on purchases. Plus, it has the potential for a lower regular APR than the Citizens Bank Everyday Points® Business Mastercard®. More specifically, the APR range of the Citizens Bank Business Platinum Mastercard® Credit Card is 10.49% - 21.49% (V). This card doesn't have rewards but it has a $0 annual fee.
While the Citizens Bank business credit cards have decent terms, they're not the best offers on the market. There are lots of really rewarding business credit cards available right now. For example, the Ink Business Preferred® Credit Card offers 1 - 3 points per $1 spent on purchases and an initial bonus of 100,000 points for spending $15,000 in the first 3 months.
You can redeem your Citizens Bank credit card rewards points by logging in to the Citizens Bank website. Then, just click on the rewards redemption option in the white box in the lower-right corner of the page.
Here's how to redeem your Citizens bank credit card rewards points:
Click on the grey arrow next to your Rewards Balance (located in a white box in the lower right corner) to view or redeem your points.
Redeem cash back rewards in increments of 25 points, at $1 per point.
Choose your redemption method between a statement credit applied to your credit card balance or a deposit into your Citizens bank personal checking, savings, or money market account.
If you have trouble redeeming your rewards points, call the Citizens Bank credit card Rewards Redemption Center at (855) 287-3910 (9am-9pm EST Monday through Friday and 10am-7pm EST on weekends). Or call the Citizens Bank customer service at (800) 684-2222, (7am-1am EST Monday through Friday and 7am-12am EST on weekends). You can also visit the bank's contact page for other ways to get in touch.
The easiest way you can reach the Citizens Bank credit card customer service is either online, by clicking on the “Contact Us” link at the top of the page or by calling (800) 922-9999. Ultimately, you could talk to a customer service representative in person at your nearest Citizens Bank branch.
Here's how you can reach the Citizens Bank credit card customer service:
Online:Log in to your Citizens Bank online account and chat with a representative by clicking on the "Contact Us" link at the top of the page.
Phone: To reach the Citizens Bank credit card customer service over the phone, just call (800) 922-9999. If you're already a customer, you can enter your credit card account number, or your Social Security Number. Alternately, you can just wait until you're connected to a live representative.
At a branch: You can also reach customer service by visiting your nearest Citizens Bank branch and talk to a customer care agent in person.
It's also worth checking out the Citizens Bank FAQ web page, in case your queries have already been addressed there.
Here's how you can apply for a Citizens Bank credit card:
Online: Visit the Citizens Bank website and navigate to the credit cards section. From there, choose the card you would like to apply for and click on “Get Started” to be redirected to a secure online application form.
Over the phone: Call (888) 333-5145 and follow the prompts to get connected to a customer service representative.
In person: You can also apply for a credit card at any Citizens Bank branch during normal business hours.
You might also receive a pre-approved letter in the mail if Citizen Bank considers you eligible for one. Just keep in mind that being pre-approved doesn't guarantee your approval for the card. You might still get denied if you decide to apply.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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