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Good return on all purchases. Better than writing a check or using a credit card with no rewards it's a no-brainer. Very pleased with the ease of use.
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Product: Citizens Bank Credit Cards
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Compare Citizens Bank Credit Cards
Please find below credit cards offered by Citizens Bank.
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 15 months|Transfer Fee: 4% (min $10)
Regular APR→15.99% - 23.99% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 15 months|Transfer Fee: 4% (min $10)
Regular APR
15.99% - 23.99% (V)
annual fee
$0
rewards rate
1.8% Cash Back
minimum credit
Excellent Credit
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 18 months|Transfer Fee: 3% (min $10)
Regular APR→13.99% - 21.99% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 18 months|Transfer Fee: 3% (min $10)
Regular APR
13.99% - 21.99% (V)
annual fee
$0
rewards rate
None
minimum credit
Excellent Credit
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Citizens Bank Credit Card Reviews
3.9
1,265 reviews
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Was offered to apply through a promotion. So far I'm happy with the card and remain a fan of the customer service extend across the board.
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Citizens bank card is the worst. Have many cards and never experienced making a payment online having money drawn out of my bank account next day. But Citizens says my bank is not reputable (one of the biggest banks mind you). After 5 days horrible Citizens has still not credited payment to the credit card account saying its on hold and could take another 5 days. What a joke....Understand they are making interest off my money by holding it and not allowing me to make any purchases on account because they say credit balance is $0.00 for purchases meanwhile my balance is paid off with payments from my bank. Nothing is worth the hassle and frustration Citizens caused. I closed account they do not deserve anyone's business.
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I accepted an offer from Citizens to open an account which provided some account credit perks. I never got the perks as promised and when I tried to correct this situation I was treated rudely and talked to as if I were a liar and a thief. There are banks and credit cards with MUCH better customer service. I suggest using one of them.
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Pretty good card but it would be better to have a card that has points. In the beginning they give 10% cash back on restaurants and food so that was great but after a certain amount of time it goes to 1.8% cash back
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I had 10,000 and they cut me down half and Zi font in is why. But my credit card 10,000 to 5,000. I should have 10,000. Is there a way to at least get a higher amount like at least 8,000.
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Very happy nice good service
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Excellent experience and card service since getting the card. I am very pleased with the card and plan to continue the use of the card.
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Is a good card it helps me out when I need to use it plus is cash back in my wallet so is win-win for me this is one of the best credit cards that I have
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Great card! The 1.8%cash back rewards (unlimited with no cap) me for all my purchases! I continually use this card to pay bills and pay it off to make sure I'm not paying interest while getting the maximum reward I can.
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Citizens Bank Credit Card Q&A
Get answers to your questions about Citizens Bank Credit Cards below. For more general questions, visit our Answers section.
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What's the best Citizens Bank business credit card?
8
UpvotesReply
Maria Adams
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 Capital One® Spark® Cash for Business offers unlimited 2% cash back on all purchases and a $500 initial bonus (for spending $4,500 in the first 3 months).
How do I redeem my Citizens Bank credit card rewards points?
12
UpvotesReply
Bogdan Roberts
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:
- Log in to the Citizens Bank Credit Card Online website.
- 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.
How can I reach the Citizens Bank credit card customer service?
9
UpvotesReply
Maria Adams
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.
How do I apply for a Citizens Bank credit card?
8
UpvotesReply
Maria Adams
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.
How do I apply for the Citizens Bank Cash Back Plus card?
7
UpvotesReply
Lisa Cahill
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.
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