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1 Star Rating
Verified CustomerCitizens Bank is the most unfair bank and has no rhyme or reason for why they make the decisions that they make in regards to credit worthiness.
Product: Citizens Bank Credit Cards
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Compare Citizens Bank Credit Cards
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 Credit Card Offers in June 2023
- Cash Back: Citizens Bank Cash Back Plus™ World Mastercard®Citizens Bank Cash Back Plus™ World Mastercard®Learn MoreLearn More
- Balance Transfers: Citizens Bank Clear Value® Mastercard®Citizens Bank Clear Value® Mastercard®Learn MoreLearn More
Updating Results
Purchase Intro APRNot Offered
Transfer Intro APR0% for 15 months|Transfer Fee: 4% (min $10)
Regular APR20.74% - 28.74% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 15 months|Transfer Fee: 4% (min $10)
Regular APR
20.74% - 28.74% (V)
annual fee
$0
rewards rate
1.8% Cash Back
Bonus Offer
$150
Bonus Offer
$150
minimum credit
Excellent Credit
Pros
- No membership fees
- 0% intro APR on balance transfers
- High rewards rate
- $150 initial rewards bonus
Cons
- No intro APR on purchases
- Balance transfer fee
- Requires excellent credit
Rewards Details
- Earn $150 bonus after spending $500 in the first 90 days from account opening.
- Earn 1.8% cash back on your everyday eligible purchases.
- No limit to the amount of cash back you can earn.
Additional Info
- Zero Liability protection against unauthorized purchases.
- Extended Warranty Protection doubles the original manufacturer's or store brand warranty for up to two years.
- Use Digital Wallets, including Apple Pay®, Samsung Pay™, and Google Pay™ to pay in store, online, and in app.
- MasterRental Insurance for collision, loss, or damage.
- More Details & Reviews About Citizens Bank Cash Back Plus™ World Mastercard®
Purchase Intro APR0% for 18 months
Transfer Intro APR0% for 18 months|Transfer Fee: 4% (min $10)
Regular APR18.74% - 26.74% (V)
Purchase Intro APR
0% for 18 months
Transfer Intro APR
0% for 18 months|Transfer Fee: 4% (min $10)
Regular APR
18.74% - 26.74% (V)
annual fee
$0
rewards rate
None
minimum credit
Excellent Credit
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
Cons
- No rewards
- No initial rewards bonus
- Balance transfer fee
- High regular APR
Additional Info
- Travel accident and baggage delay insurance.
- Extended warranty protection doubles the original manufacturer’s or store brand warranty for up to one year.
- Online Account Access—24 hours a day, 7 days a week.
- Zero Liability protection against unauthorized purchases.
- More Details & Reviews About Citizens Bank Clear Value® Mastercard®
Featured Credit Cards
Ad DisclosurePurchase Intro APR0% for 15 months from account opening
Transfer Intro APR0% for 15 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR19.99% - 29.99% Variable
Purchase Intro APR
0% for 15 months from account opening
Transfer Intro APR
0% for 15 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
19.99% - 29.99% Variable
annual fee
$0
rewards rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Bonus Offer
$200 Cash Rewards
minimum credit
Good Credit
Purchase Intro APR0% for 12 months
Transfer Intro APR0% for 12 months|Transfer Fee: 3% (min $5)
Regular APR18.99% - 29.99% (V)
Purchase Intro APR
0% for 12 months
Transfer Intro APR
0% for 12 months|Transfer Fee: 3% (min $5)
Regular APR
18.99% - 29.99% (V)
annual fee
$0 intro 1st yr, $95 after
rewards rate
1 - 6% Cash Back
Bonus Offer
$250
Bonus Offer
$250
minimum credit
Good Credit
Terms ApplyApply Now
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Citizens Bank Credit Card Reviews
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1 Star Rating
Citizens Bank floods me with Pre-Screened offers. I have many cards, but I finally applied. I have only excellent credit, and lots of it. Still, I got a letter today that my application was denied because they couldn't verify information with the credit bureaus. This is nonsense, every other bank from my 25 credit cards were all able to verify the same information without issue. Now I have a pointless hard pull on my credit report because this Bank is inept. If they send you a prescreened offer, BEWARE. There is a reason why Citizens Bank has wildly bad reviews all across the web.
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1 Star Rating
I’ve been with Citizens Bank for over 40 years. But now, I’m leaving them, because incompetence appears to be the rule. Their customer service lines are worthless and, when you do connect, they will lie to you.
And no matter when you call, you will be told that “wait times are longer than normal. So I can only assume that the term “normal” refers to “in the past.”
In illustration of their behavior:
On 5/2/23, I noticed a debit charge on my account, from Amazon, for Amazon Prime service, which I don’t subscribe to. Since I have seen erroneous charges in the past that resolve in a day or so, I made the mistake of calling customer service and asking the representative to investigate the charge, and to freeze the card, just in case it was more than just a mischarge. He said that to investigate, they would have to cancel my card. I finally gave permission, and he said that a new card would be sent. When the card never arrived, I called again, and it turned out that he did nothing. No new cord was ordered and no investigation was initiated.
On 5/5, when I called to check on the status of the investigation, I learned that nothing was being done, and was told that my replacement card would be sent out on an emergency basis, and would take 2 “working days” to arrive. In the past, the new card would appear overnight. But today, 2 working days means weekdays, so, my card, ordered on Friday, might arrive on Tuesday, 5/9.
But of course it didn’t. And today, when I called to find out why, I was told that it had NOT been sent on an emergency basis, and so would arrive in 3 to 5 “working days.” So, in reality, that probably means Friday.
So...the first person lied. And did not do his job. The second person lied. And the latest. She said she would “initiate an investigation.” You can guess how much confidence I have in that happening.
So of course, after more than 40 years of being a customer, I’ve had enough, and will be leaving them.
And no matter when you call, you will be told that “wait times are longer than normal. So I can only assume that the term “normal” refers to “in the past.”
In illustration of their behavior:
On 5/2/23, I noticed a debit charge on my account, from Amazon, for Amazon Prime service, which I don’t subscribe to. Since I have seen erroneous charges in the past that resolve in a day or so, I made the mistake of calling customer service and asking the representative to investigate the charge, and to freeze the card, just in case it was more than just a mischarge. He said that to investigate, they would have to cancel my card. I finally gave permission, and he said that a new card would be sent. When the card never arrived, I called again, and it turned out that he did nothing. No new cord was ordered and no investigation was initiated.
On 5/5, when I called to check on the status of the investigation, I learned that nothing was being done, and was told that my replacement card would be sent out on an emergency basis, and would take 2 “working days” to arrive. In the past, the new card would appear overnight. But today, 2 working days means weekdays, so, my card, ordered on Friday, might arrive on Tuesday, 5/9.
But of course it didn’t. And today, when I called to find out why, I was told that it had NOT been sent on an emergency basis, and so would arrive in 3 to 5 “working days.” So, in reality, that probably means Friday.
So...the first person lied. And did not do his job. The second person lied. And the latest. She said she would “initiate an investigation.” You can guess how much confidence I have in that happening.
So of course, after more than 40 years of being a customer, I’ve had enough, and will be leaving them.
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1 Star Rating
Verified CustomerThey stole my cashback and decided not to reinstate my cashback.
After being a loyal customer, paying on-time 100%, no late payments, no fees, no interest on my credit cards, 700+ credit score, Citizens bank decides to close my account for inactivity for only 3 months and revoke all my hard-earned cashback. I already called customer service and even spoke to the Chairman Steven Matthews. Despite the fact that he tried to help me, he ended up saying there's nothing he can do to help retrieve the account because once its closed, its closed. I never had this kind of issue from a credit card company but its quite shady and unforgiving credit card company. Loyalty does not exist with this company, they only want your money, they don't want you to beat them at their own game and they will do anything they can do steal your cashback to give an excuse of "inactivity for 3 months..."
So I would stay away from this company as far as possible and not give them my business anymore. Better to stick with other reputable credit card companies that are more forgiving and loyal to their customers.
After being a loyal customer, paying on-time 100%, no late payments, no fees, no interest on my credit cards, 700+ credit score, Citizens bank decides to close my account for inactivity for only 3 months and revoke all my hard-earned cashback. I already called customer service and even spoke to the Chairman Steven Matthews. Despite the fact that he tried to help me, he ended up saying there's nothing he can do to help retrieve the account because once its closed, its closed. I never had this kind of issue from a credit card company but its quite shady and unforgiving credit card company. Loyalty does not exist with this company, they only want your money, they don't want you to beat them at their own game and they will do anything they can do steal your cashback to give an excuse of "inactivity for 3 months..."
So I would stay away from this company as far as possible and not give them my business anymore. Better to stick with other reputable credit card companies that are more forgiving and loyal to their customers.
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2 Star Rating
I'm frustrated with this credit card, which I hardly ever use, but need to every now and then to keep my credit score excellent. But this last time they failed to send me a paper statement, so I was four days late before my spouse noted an email about it. Though he paid it, along with a late fee that was almost equal to the charge, they lowered our credit limit from 4k to $250, and I have been cut off from customer service twice already. So far I've spent about an hour on the phone. I'm waiting for the 3rd rep now. Not fun for a Saturday, or any day! This credit card is NOT recommended!!!
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5 Star Rating
Verified CustomerMy bank is good to me. They get me! But I’m really paying hi interest rate! But I guess somebody has got to keep these people I working!
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5 Star Rating
Verified CustomerCitizens Bank is a great community banking for everyone no matter your needs. I joined Citizens Bank since like 2014 and I would recommend Citizens Bank for others.
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1 Star Rating
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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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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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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Citizens Bank Credit Cards FAQ
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 starting credit limit for a Citizens Bank credit card?
3
UpvotesReply
John Goodman
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
What's the best Citizens Bank business credit card?
11
UpvotesReply
Maria Adams
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.
Best Citizens Bank Business Credit Cards
- Business Rewards: Citizens Bank Everyday Points® Business Mastercard®Citizens Bank Everyday Points® Business Mastercard®Learn MoreLearn More
Initial Bonus: 50,000 points after spending $5,000 in the first 90 days
Rewards: 3 points per $1 spent on all purchases
Introductory APR: 0% for 6 months on purchases
Regular APR: 15.99% - 25.99% (V)
Annual Fee: $0
Min. Credit Required: Good
- Low APR: Citizens Bank Business Platinum Mastercard® Credit CardCitizens Bank Business Platinum Mastercard® Credit CardLearn MoreLearn More
Introductory APR: 0% for 12 months on purchases
Regular APR: 12.99% - 23.99% (V)
Annual Fee: $0
Min. Credit Required: Excellent
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.
How do I redeem my Citizens Bank credit card rewards points?
13
UpvotesReply
Bogdan Roberts
You can redeem your Citizens Bank credit card rewards either online or over the phone at (800) 684-2222.
How to Redeem your Citizens Bank Card Rewards Online
- Log in to the Citizens Bank 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 rewards.
- Redeem cash back rewards in increments of 25, for a minimum of $25.
- 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 wish to redeem your rewards over the phone or you need further assistance, call the Citizens Bank customer service number at (800) 684-2222 (7am-10pm EST Monday through Friday and 9am-6pm 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?
10
UpvotesReply
Maria Adams
The easiest way you can reach the Citizens Bank credit card customer service is either online or over the phone at (800) 684-2222. Alternatively, you could talk to a customer service representative in person at your nearest Citizens Bank branch.
How to 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, call (800) 684-2222. If you're already a customer, you can enter your credit card account number, or your Social Security Number. Alternatively, 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.
How can I check my Citizens Bank credit card application status?
0
UpvotesReply
Maria Adams
You can check your Citizens Bank credit card application status by calling customer service at (877) 525-9248. When you call, you'll need to provide your Social Security Number so that Citizens Bank can match you to your application. It should only take a few minutes to find out whether your application is approved, denied, or pending. You cannot check your Citizens Bank credit card application status online.
How to Check Your Citizens Bank Credit Card Application Status
- Call (877) 525-9248.
- Press “3” and you will be connected to a representative.
- Give your Social Security Number when asked.
- A customer service representative will tell you if your application is pending, approved, or denied.
Typically, you'll receive a decision on your application within 30 days. If it's been longer than that and you still haven't heard back, you can always call customer service at (877) 525-9248 to ask about the delay.
Ultimately, if you get denied, you can still ask the issuer to reconsider by calling customer service at the same number.
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.
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