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.
Will never deal with this company again. Paid off a CC a day late. ($1500+) They added an additional $10, which I did not know about. Never sent messages, emails, anything to let me know. Finally sent a letter letting me know I was past due on $10 which I paid immediately. But it was to late. They had already reported it to the credit bureau. I dropped 70 points because of $10 I never knew about. They had my email and my phone number. And that's after 4 years for never missing a payment or even having a late payment. I have several other cards that always contact me either via text or email or both about any past due amounts. They also knocked my limit down from $11,500 to $250. Not that I cared about that. I closed the account down as soon as I called them the next morning.
Incompetence at it highest at this company!! Good riddance.
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Product: Citizens Bank Credit Cards
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CONSTANCEPAD @CONSTANCEPAD
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1 Star Rating
Early this year, Citizens Bank set up a new app for credit cards. "Try the new app" they said. I use Citizens Bank website and have set up auto-pay transactions; minimum payment plus $200 extra each month to pay down the balance. I did not register with their "new app". I thought it was optional.
In February, my auto-pay transactions were not credited, I was charged a late fee and my credit limit was reduced. When I called customer service I was basically told "too bad"; nothing could be done.
I was screwed over because I.T. guys did not consider customers who chose not to "try the app". I was never notified that my auto-pay set up would be ignored. I lost the credit limit I had earned and my credit score went down.
I am angry and disgusted and looking for another bank!
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Product: Citizens Bank Credit Cards
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Johnsapartments @Johnsapartments
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1 Star Rating
Verified Customer
I’m in the middle of a refi with citizens. My credit shot down 33% I wondered what happened. Well Citizens happened. I have a card with them 24000 limit. I paid in full 18000 in Dec. interest went through and I didn’t notice so I owed a bill of 175 on Jan 14. On Jan 18th they take my card down to 3600. Utilization killed me. There not about small businesses or the customer. This is paralyzing to our home refi and for no good reason. I didn’t even get a 10 day grace period and I paid it on time. Shame on them and no more business with them.
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Product: Citizens Bank Credit Cards
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Victoria @victoria_c
You is shady. Thats why they cut your limit.
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yaileena @yaileena
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5 Star Rating
Verified Customer
Helpful I use in case of emergency and I don’t have money … Or for vacation trip too.. it’s important to have a reserve when for the days we need to pay something
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Kenneth @kenjames2112
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4 Star Rating
Verified Customer
I don’t have any problems whatsoever with Citizens Bank Mastercard. It starts with an 18 month interest free account and I always pay the minimum or more for all my credit card accounts. So I have no credit problems. I bank with Citizens Bank checking and savings accounts.
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ed_fein @ed_fein
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1 Star Rating
This card does not have meaningful fraud protection. Seriously. I got scammed by a website and disputed the charge. Citizens threw up such an incredible wall of bureaucratic paperwork just to acknowledge the dispute that it is easier just to accept and pay for the fraudulent charge. Customer service is beyond terrible.
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Product: Citizens Bank Credit Cards
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peggyshelly1942 @peggyshelly1942
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1 Star Rating
Disastrous customer service. During the day minimum wait is 25 minutes. Poorly informed representatives then appear, making the wait pointless. Completely failed to deal with a fraudulent charge on my cc. Would not recommend.
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Product: Citizens Bank Credit Cards
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ed_fein @ed_fein
Same experience here - fraudulent charge on my cc that they are failing to deal with.
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Nanci @nancicarpenter
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5 Star Rating
Verified Customer
Citizens Bank is a pleasure to deal with, from home loan to credit cards to checking and savings! Easy to navigate online options and extremely knowledgeable personnel in every department.
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laurenl_21 @laurenl_21
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1 Star Rating
Verified Customer
Was supposed to get 5% cash back for home improvement purchases but never received it and when I called customer service they said it was only for certain people with a code even though it was everywhere in the branch. They said a manager would but the code in for me. Called back again after waiting a week and using my card and not getting the credit again. Customer service just gave me the run around. I hurt my credit score for a basic credit card that I didn’t need. Citizens lied about the 5%.
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Bekzod @bekzoda
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1 Star Rating
The worst credit card company does not apply for their credit card very bad customer service not experienced, even manager don't know anything and long waiting time on the phone.
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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 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 8.49% - 19.49% (V), compared to 11.49% - 21.49% (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 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.
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.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
