Citizens Bank Credit Cards

The best Citizens Bank business credit card is the Citizens Bank Everyday Points® Business Mastercard® because it has a $0 annual fee. It also offers 2 points per $1 on all purchases and a bonus of 25,000 points for spending $5,000 in the first 90 days.

The only other Citizens Bank business credit card is the Citizens Bank Business Platinum Mastercard® Credit Card, which has no rewards. However, it also has a $0 annual fee and the potential for a lower APR than the Citizens Bank Everyday Points® Business Mastercard®. Its APR range is 8.24% - 19.24% (V), compared to 11.24% - 21.24% (V) for the Citizens Bank Everyday Points® Business Mastercard®.

While both of 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 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 by logging in to the Citizens Bank Credit Card Online website and clicking 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:

1. Log in to the Citizens Bank Credit Card Online website.
2. 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.
3. Redeem cash back rewards in increments of 25 points, at $1 per point.
4. 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 “Message us” tab or by calling (800) 684-2222.

Ultimately, you could talk to a customer service representative in person at your nearest Citizens Bank branch.

You can apply for a Citizens Bank credit card:

• Online
• Over the phone at (888) 333-5145
• In any Citizens Bank branch

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.

You can apply for the Citizens Bank Cash Back Plus™ World Mastercard® card:

• Online
• By calling (888) 333-5145
• 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.