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.
CITIZENS BANK BLOWS. I literally am going to do everything in my power to get rid of this frickin bank. They always block ur card because they think it’s fraud and when I try to get help I have to wait for HOURS and finally when I get someone to help they are foreign and don’t know English and literally can’t spell ANYTHING. My lady didn’t even know what Rhode Island was and I had to tell her how to spell ISLAND. If you are fine with autistic people handling your money/life savings, citizens is just for you!
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Product: Citizens Bank Credit Cards
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a200user @a200user
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1 Star Rating
My Citizens branch manager talked me into taking a 3% cash back credit card promotion October 2022. I don't need another credit card but they talked me into it on the basis of 3% cash back. I received the card and started using it. First statement shows the standard 1.8% that I am already getting on another Citizens card that I no longer use. I get 2% from another bank. I have talked to 6 people including my branch manager that talked me into this bait and switch scheme. Each time I am told that it will be adjusted to 3%, but it is still only earning 1.8%. I stopped using it after the first statement. Today a Citizens representative had the nerve to call me to tell me the request for an adjustment was received on Jan 3, 2023 and told me that it will be another few billing cycles to adjust. I didn't ask them to call me, I already told them I won't do business with them any longer. I have phone record proof that I made the initial complaint on Nov 14, 2022. After complaining to my branch manager, my free quest checking account was hit with a $25 fee, first time ever. This has gotten to the point of harassment!
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Product: Citizens Bank Credit Cards
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Angel Rose @AngieK5
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1 Star Rating
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].
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 and has a $0 annual fee. The card also gives you 50,000 points after spending $5,000 in the first 90 days, and it has an intro APR of 0% for 6 months on purchases. The card's regular APR is 14.99% - 24.99% (V).
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 11.99% to 22.99% (V), depending on your overall creditworthiness. This card doesn't have rewards, and 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. Check out WalletHub's picks for the best business credit cards available right now.
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.
In a Citizens Bank branch by making an appointment
You should have excellent credit to be considered eligible. But Citizens Bank will also look at your income and existing debts to decide if you're a good fit for their card.
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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