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Citizens Bank Credit Cards

Citizens Bank is among the top 25 largest banks in the United States and operates primarily in the nation’s Northeast. The issuer offers both personal and business credit cards. Browse credit cards below.

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Showing 4 Cards

Date Reviewed: July 05, 2019

Citizens Bank Business Platinum Mastercard®

Citizens Bank Business Platinum Mastercard®
  • Regular Purchase APR 8.24%, 14.24%, 17.24% or 19.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.49% variable with the market based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • 0% introductory APR on purchases for 6 months after account opening
  • Lower interest rates than a personal credit card
  • Zero liability for unauthorized account purchases
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 8.24%, 14.24%, 17.24% or 19.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 23.49% variable with the market based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or up to 5% of each advance, whichever is greater
  • Penalty APR: 27.24%
  • Foreign Transaction Fee: Either $1.50 or 3% of the U.S. dollar amount of transactions, whichever is greater.
  • Late Payment Penalty Fee: $39
  • Return Payment Penalty Fee: $20
  • Over Limit Penalty Fee: $39

Date Reviewed: June 21, 2019

Citizens Bank Everyday Points® Business Mastercard®

Citizens Bank Everyday Points® Business Mastercard®
  • Regular Purchase APR 11.24%, 16.24%, 19.24% or 21.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • 2 reward points per $1 spent
  • 3.5% introductory point bonus in the first 90 days
  • 0% introductory APR
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 11.24%, 16.24%, 19.24% or 21.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 23.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or up to 5% of the cash advance amount, whichever is greater
  • Penalty APR: 27.24%
  • Foreign Transaction Fee: Either $1.50 or up to 3% of the transaction amount in U.S. dollars, whichever is greater
  • Late Payment Penalty Fee: $39
  • Return Payment Penalty Fee: $20
  • Over Limit Penalty Fee: $39

Date Reviewed: May 10, 2019

Citizens Bank Clear Value® Mastercard®

Citizens Bank Clear Value® Mastercard®
  • Regular Purchase APR 13.99%, 17.99%, or 21.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99%, 17.99%, or 21.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Mastercard
Best Benefits
  • Introductory 0% APR on balance transfers for 18 months from account opening date
  • No annual fee
  • Travel accident and baggage delay insurance included
  • Digital wallet compatibility for in-store and in-app touchless purchases
Rates & Fees
  • Regular Purchase APR: 13.99%, 17.99%, or 21.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 18 months from date of account opening
  • Balance Transfer APR: 13.99%, 17.99%, or 21.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or up to 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: Up to 29.99%
  • Foreign Transaction Fee: Either $1.50 or 3% of the U.S. dollar amount of each transaction, whichever is greater
  • Late Payment Penalty Fee: Up to $39

Date Reviewed: May 10, 2019

Citizens Bank Cash Back Plus® World Mastercard®

Citizens Bank Cash Back Plus® World Mastercard®
  • Regular Purchase APR 15.99%, 19.99%, or 23.99% variable based on creditworthiness the Prime Rate
  • Balance Transfer APR 15.99%, 19.99%, or 23.99% variable based on creditworthiness the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Mastercard
Best Benefits
  • Earn unlimited 1.8% cash back on every purchase
  • No rotating categories on enrollments required to earn cash back
  • Introductory 0% APR on balance transfers for 15 months from account opening date
  • No annual or foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 15.99%, 19.99%, or 23.99% variable based on creditworthiness the Prime Rate
  • Intro Balance Transfer APR: 0% for first 15 months from account opening
  • Balance Transfer APR: 15.99%, 19.99%, or 23.99% variable based on creditworthiness the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $39

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About Citizens Bank

Citizens Bank is a leading regional bank with its headquarters in Providence, Rhode Island. Citizens is the 24th largest Bank in the United States in terms of total assets, with over $160 billion in assets as of 2019.

Although Citizens Bank was founded – and still retains its headquarters – in Providence, RI, the Bank has a large presence in several U.S. states. These states include:

  • Connecticut
  • Delaware
  • Maine
  • Massachusetts
  • Michigan
  • New Hampshire
  • New Jersey
  • New York
  • Ohio
  • South Carolina
  • Pennsylvania
  • Rhode Island
  • Vermont

Prior to going public in 2014, Citizens Bank was part of the Royal Bank of Scotland holding corporation.  The Bank actually dates back to 1828, making it one of the oldest active banks in the United States.

Citizens Bank Branch Locations

Since Citizens covers so much ground geographically, there are far too many branches to list. All told, the Bank provides more than 1,600 branches in the 13 states it serves.

For a complete list of Citizens Bank locations, plus ATMs, please visit the bank’s dedicated location finder page.

Citizens Bank Credit Cards

Citizens Bank offers a full suite of credit card products for consumers and small businesses.

Citizens credit cards are all Mastercard products, meaning cardholders enjoy near-worldwide payment acceptance. Other features of Mastercard credit cards include:

  • Zero Fraud Liability: Cardholders pay nothing if their card is subject to unauthorized use or theft.
  • Mastercard Global Service: Emergency assistance nearly anywhere in the world, 24/7. Services include lost card reporting and replacement, emergency cash disbursement, and more.
  • ID Theft Protection: Complimentary credit report monitoring that alerts cardholders to any changes or fraud concerns.

Additionally, the Citizens Bank Cash Back Plus® World Mastercard® is a World Mastercard, meaning cardholders can expect even more perks: