Compare Citizens Bank Credit Cards
Citizens Bank Credit Card Offers in February 2023

Not Offered
0% for 15 months|Transfer Fee: 4% (min $10)
19.74% - 27.74% (V)
annual fee
$0
rewards rate
1.8% Cash Back
Bonus Offer
$150
Bonus Offer
$150
Excellent Credit
Pros
- No membership fees
- 0% intro APR on balance transfers
- High rewards rate
- No foreign fee
Cons
- Spending caps on rewards
- No initial rewards bonus
- No intro APR on purchases
- Balance transfer fee
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®

0% for 18 months
0% for 18 months|Transfer Fee: 4% (min $10)
17.74% - 25.74% (V)
annual fee
$0
rewards rate
None
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
- Foreign fee
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 Disclosure0% for 15 months from account opening
0% for 15 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
19.24% - 29.24% Variable
annual fee
$0
rewards rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Bonus Offer
$200 Cash Rewards
Good Credit
0% for 12 months
0% for 12 months|Transfer Fee: 3% (min $5)
18.24% - 29.24% (V)
annual fee
$0 intro 1st yr, $95 after
rewards rate
1 - 6% Cash Back
Bonus Offer
$250
Bonus Offer
$250
Good Credit
Citizens Bank Credit Card Reviews
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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?
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?
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. With this card, you also get 50,000 points after spending $5,000 in the first 90 days. Plus, the card has a $0 annual fee. However, this isn't your only option.
Best Citizens Bank Business Credit Cards
The Citizens Bank Everyday Points® Business Mastercard® offers 3 points per $1 spent on all purchases and has a $0 annual fee. The card also gives you 50,000 points after spending $5,000 in the first 90 days, and it has an intro APR of 0% for 6 months on purchases. The card's regular APR is 14.99% - 24.99% (V).
The Citizens Bank Business Platinum Mastercard® Credit Card offers an intro APR of 0% for 6 months on purchases. Plus, it has the potential for a lower regular APR than the Citizens Bank Everyday Points® Business Mastercard®. More specifically, the APR range of the Citizens Bank Business Platinum Mastercard® Credit Card is 11.99% to 22.99% (V), depending on your overall creditworthiness. This card doesn't have rewards, and it has a $0 annual fee.
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 can I reach the Citizens Bank credit card customer service?
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.
How do I apply for a Citizens Bank credit card?
You can apply for a Citizens Bank credit card either online or over the phone at (888) 333-5145. Alternatively, you can submit a Citizens Bank credit card application at a branch.
Here's how you can apply for a Citizens Bank credit card:
- Online: Visit the Citizens Bank website and navigate to the credit cards section. From there, choose the card you would like to apply for and click on “Get Started” to be redirected to a secure online application form.
- Over the phone: Call (888) 333-5145 and follow the prompts to get connected to a customer service representative.
- In person: You can also apply for a credit card at any Citizens Bank branch during normal business hours.
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?
You can apply for the Citizens Bank Cash Back Plus Card 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.
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.