Citizens Bank credit cards offer rewards and/or long 0% introductory APR periods to people with excellent credit. Most 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.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.0
Market Comparison
3.8
fees: 5.0
cost: 3.0
APR: 4.4
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 18 months|Transfer Fee:5% (min $10)
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.7
Market Comparison
3.7
fees: 3.8
rewards: 3.0
cost: 4.4
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 12 months|Transfer Fee:5% (min $10)
Regular APR→17.49% - 27.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 12 months|Transfer Fee:5% (min $10)
Regular APR
17.49% - 27.49% (V)
annual fee
$0
rewards rate
1.5 - 3 points / $1
minimum credit
Good
WalletHub's Take: The Citizens Bank Summit™ World Mastercard® is a good credit card for dining out and cooking at home, giving you 3% back at restaurants and grocery stores. Those bonus rewards, the 1.5% back that you earn on other purchases, and the lack of an annual fee make this card worth considering if you have good credit or better.
Pros
No membership fees
0% intro APR on balance transfers
High rewards rate
Bonus rewards categories
Cons
No initial rewards bonus
No intro APR on purchases
Balance transfer fee
Foreign fee
Rewards Details
Earn 3 points per $1 spent on dining and grocery purchases (equivalent to 3% cash back), and 1.5 points per $1 spent on all other purchases (equivalent to 1.5% cash back).
Instacart+: Get three months of free delivery and $10 off your second order each month, and avoid the grocery store checkout lines.
Earn $5 in Lyft credit when you take three eligible rides in the same month.
Additional Info
Zero Liability protection against fraudulent purchases in-store, on the phone, online, on our app, and at ATMs.
Use Digital Wallets, including Apple Pay®, Samsung Pay™, and Google Pay™ to pay in store, online, and in app.
Mastercard ID Theft Protection to safeguard your identity with 24/7 fraud detection, receive alert notifications for suspicious activity and access to a resolution specialist to resolve ID theft issues.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.9
User Reviews
3.3
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
Purchase Intro APR→0% for 12 months from account opening
Transfer Intro APR→0% for 12 months from account opening on qualifying balance transfers|Transfer Fee:3% intro for 120 days from account opening, then up to 5% (min $5)
Regular APR→18.49%, 24.49%, or 28.49% Variable
Purchase Intro APR
0% for 12 months from account opening
Transfer Intro APR
0% for 12 months from account opening on qualifying balance transfers|Transfer Fee:3% intro for 120 days from account opening, then up to 5% (min $5)
Regular APR
18.49%, 24.49%, or 28.49% Variable
annual fee
$0
rewards rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Bonus Offer
$200 Cash Rewards
minimum credit
Good
WalletHub's Take: The Wells Fargo Active Cash® Card is one of the best all-around credit cards available right now. You should get the Active Cash Card if you have a credit score of 700 or higher and you want to earn above-average rewards without any hassle and without paying an annual fee. It’s also worthwhile for people interested in 0% introductory APRs and up to $600 in cell phone protection.
Pros
$200 cash rewards bonus
$0 annual fee
2% cash rewards on purchases
0% introductory APR
Cons
High regular APR
Foreign transaction fee
Balance transfer fee
Rewards Details
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Additional Info
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.7
User Reviews
3.9
Market Comparison
4.0
fees: 2.1
rewards: 4.3
cost: 4.6
Other Features: 0.0
Purchase Intro APR→0% for 12 months
Transfer Intro APR→0% for 12 months|Transfer Fee:3% (min $5)
Regular APR→19.49% - 28.49% (V)
Purchase Intro APR
0% for 12 months
Transfer Intro APR
0% for 12 months|Transfer Fee:3% (min $5)
Regular APR
19.49% - 28.49% (V)
annual fee
$0 intro 1st yr, $95 after
rewards rate
1 - 6% Cash Back
Bonus Offer
As High As $300 Cash Back. Find Out Your Offer.
Bonus Offer
As High As $300 Cash Back. Find Out Your Offer.
minimum credit
Good
WalletHub's Take: The Blue Cash Preferred® Card from American Express is one of the best cash back credit cards on the market and easily worth its $95 annual fee (charged from the second year on). Amex Blue Cash Preferred is especially good for people with good credit or better who spend a lot on groceries at U.S. supermarkets, U.S. streaming services, transit, and U.S. gas stations.
Pros
Great initial bonus offer
Low intro APR on purchases and balance transfers
High rewards rate
Cons
Annual fee starting second year
Above-average regular APR
Foreign transaction fee
Rewards Details
Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Terms Apply.
Additional Info
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Pros, Cons, & Details
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
Citizens Bank recently revamped their online bill payment system; they should have left well enough alone! The new system is a nightmare for re-linking your billers to your Citizens account. They really messed up with this one. The new system requires you to go to the biller's website and log-on to link accounts. One problem is that many credit card companies and businesses (Best Buy, Kohl's, etc.) do not require you to set up an online account when applying for credit. Citizens' new system sends you to the biller's website to link accounts, and you end up having to set up usernames, passwords, and personal information to log-on with them. In addition, Citizens' online bill payment IT department is having issues with their own system, giving customers error messages. This whole process is ridiculous, and I am thinking about switching banks.
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Product: Citizens Bank Credit Cards
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M L Carroll @buddys824
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2 Star Rating
Strange handling of automatic payment of my statement balance. Called customer service. Bad business practice here. My due date/automatic payment date is on the 17th of each month. I happened to make a return at Walmart for about $17 on April 16th. It turns out they deducted about $10 from what I actually owed as per the April statement balance. The $17 credit should not take effect/show up until the May statement. So I hope the remaining amount of my credit ($7) shows up on the May statement. They split up the amount of the return. I will not be using this credit card in the future. I never had an issue with my Discover card, which I recommend.
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Product: Citizens Bank Credit Cards
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Kamila Hatamovic @k_hatamovic
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1 Star Rating
Stay away from this bank at all costs. They are major deceivers. I signed up for a Citizen Credit line with Treck Finance, which had advertised a 0% APR deal for 24 months on the bike purchase cost of $1,000. However, the bank began imposing a 29.99% interest rate by the third month. Despite my attempts to address the issue with Treck, they redirected me to Citizen Bank. Upon contacting Citizen Bank, the customer service response was dismissive, stating they couldn't assist me. I ultimately had to pay off the entire sum and close my account. Adding insult to injury, the bank still managed to charge me an extra $4 for the account closure. This experience has been my first encounter with such a flagrant misuse of trust by a financial institution. Citizen Bank is a Scam.
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Product: Citizens Bank Credit Cards
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1
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joe August @jayaug4525
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1 Star Rating
In order to get a credit limit increase, you need to do a hard inquiry. This is the only credit card I have that requires that. They should base my increase on my history with them. I've never once made a late payment in all the years I've used them. It's ridiculous that they would have me do a credit inquiry. I'm better off just getting another credit card with better cash back, incentives, and perks.
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Product: Citizens Bank Credit Cards
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1
0
Kristin M Griffin @kmgriffin7595
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5 Star Rating
It was an easy process. My credit is good, so I got approved instantly. Automated monthly withdrawals with no issues! I have 0% interest because all payments are made on time, which is a PLUS with any loan!
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Product: Citizens Bank Credit Cards
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0
0
hope Hylton @SFCOMRES
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1 Star Rating
Do not use this bank. They are not worth it for credit cards. Many banks offer great promotions. They offer zero. Their staff is rude and claims something is not in writing, but they have the leeway to do what they want, like canceling a card for three months of inactivity. Who does that?
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Product: Citizens Bank Credit Cards
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0
0
katieswartz @katieswartz
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1 Star Rating
This company left me without any funds while I was traveling. Because I made purchases out of state, they completely shut my card down before speaking to me. I highly recommend not using their credit card services.
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Product: Citizens Bank Credit Cards
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0
0
sashay89 @sashay89
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1 Star Rating
Citizens Bank Cash Back Plus card removed travel notifications, which resulted in a total mess with transactions overseas! My hotel bookings couldn't be processed; the card departments have very poor communication and don't care about the customer's losses. Not recommended for travel!
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Product: Citizens Bank Credit Cards
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0
0
Lpalacio69 @Lpalacio69
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1 Star Rating
No one deserves to be treated poorly. Do not obtain any services from this bank because they really don't care about their clients. I had a credit card to pay off due to the pandemic situation. After the pandemic, I finally started to pay all my bills, so I made the payment for this bank in full ($6,411.00), and at that time, my score was already 700. However, without any call or contact (they have all my contacts there), they decided to close my credit and negatively affected my credit score. As a client paying high interest, I have never experienced this kind of disrespect from any credit institution in this country. As clients, we deserve a minimum level of service from a bank. Shame on you, Citizens. Even one star is too much for you. People, find a better bank for yourselves and your business.
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Product: Citizens Bank Credit Cards
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0
0
mike johns @mikejohns726
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1 Star Rating
Run, don't walk away from this bank. After paying off large, high-interest credit cards, they lowered my limit to balance, making it 90% usage instead of 20%, which is really great for your credit report. Thanks for absolutely nothing!
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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. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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 and has a $0 annual fee. New cardholders can also get 50,000 points after spending $5,000 in the first 90 days. However, this isn't your only option.
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.
To talk to Citizens Bank customer service, call 1-800-922-9999 and then enter your account or card number and press #. This process will get you in contact with a live Citizens Bank representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Citizens Bank Customer Service by Phone
Call the Citizens Bank customer service department at 1-800-922-9999.
To redeem Citizens Bank rewards, log in to the Citizens Bank Rewards portal and select a redemption option. Citizens Bank also allows you to redeem rewards by calling the phone number on the back of your card.
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* The information about the following cards has been independently collected
by WalletHub: Citizens Bank Spring™ World Mastercard®, Citizens Bank Summit™ World Mastercard®, Citizens Bank Everyday Points® Business Mastercard®, Citizens Bank Business Platinum Mastercard® Credit Card, and Citizens Bank Cash Back Plus™ World Mastercard®.
