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Citizens Private Client™ World Elite Mastercard®
Citizens Private Client™ World Elite Mastercard®
- 18.74% to 26.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.74% to 26.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
At a Glance
The Citizens Private Client™ World Elite Mastercard® provides Citizens Banks best cash back rewards and more. Earn 2% back on all purchases and enjoy lounge access, priority security, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn an unlimited 2% back on all purchases
- No annual fee with a Citizens Private Client™ account
- No foreign transaction fees
- TSA Precheck or Global Entry statement credits
- Priority Pass Select
- Regular Purchase APR: 18.74% to 26.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.74% to 26.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $195 ($0 for Citizens Private Client™ clients)
- Late Payment Penalty Fee: $41
- You want to earn 2% back on all purchases
- You are an existing Citizens Private Client™ client
- You plan to travel and make use of lounge access
- You want TSA Precheck or Global Entry to speed through airport security
Citizens Bank Clear Value® Mastercard®
Citizens Bank Clear Value® Mastercard®
- 18.74%, 22.74%, or 26.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.74%, 22.74%, or 26.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
At a Glance
A lengthy promotional APR period for balance transfers makes the Citizens Bank Clear Value® Mastercard® an ideal choice if you’re looking to save money on interest payments.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Regular Purchase APR: 18.74%, 22.74%, or 26.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 18 months from date of account opening date
- Balance Transfer APR: 18.74%, 22.74%, or 26.74% 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: 29.74% 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 $40
- You plan to carry a balance on purchases
- You want to transfer other existing balances at higher APRs so you can save money on interest charges
- You don’t want to pay an annual fee
- You're not interested in earning rewards on purchases or receiving additional perks with your card
- You're looking for a basic, middle-of-the-road credit card
Citizens Bank Cash Back Plus® World Mastercard®
Citizens Bank Cash Back Plus® World Mastercard®
- 20.74%, 24.74%, or 28.74%variable based on creditworthiness the Prime Rate Regular Purchase APR
- 20.74%, 24.74%, or 28.74%variable based on creditworthiness the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
At a Glance
The Citizens Bank Cash Back Plus® World Mastercard® offers a generous cash back rate and no interest on balance transfers for over a year. Credit cardholders get the opportunity to earn cash back rewards on all purchases with no limiting categories, allowing cardholders the freedom to shop anywhere and still earn rewards. So, whether you’re fueling it up at the gas pump or traveling and dining out, the cash back possibilities are endless.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Regular Purchase APR: 20.74%, 24.74%, or 28.74%variable based on creditworthiness the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from account opening date
- Balance Transfer APR: 20.74%, 24.74%, or 28.74%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: 29.74% 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 $40
- You desire a cash back credit card that earns more than the baseline 1% back on purchases
- You prefer a simple cash back model without rotating categories
- You're looking for a credit card without annual fees or foreign transaction fees
- You would like to transfer and consolidate existing balances to save on interest charges while you pay them off
Citizens Bank Business Platinum Mastercard®
Citizens Bank Business Platinum Mastercard®
- 12.99%, 18.99%, 21.99% or 23.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 28.24% variable with the market based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
The Citizens Bank Business Platinum Mastercard® isn’t particularly enticing but might be handy for product-based retail start-ups that require only a small amount of overhead (up to $25,00) whose owners have a less-than-stellar credit score and otherwise can’t qualify for better business card offers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 12.99%, 18.99%, 21.99% or 23.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 28.24% 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
- You're a small business owner looking for a simple and straightforward card
- You will take advantage of an introductory 0% APR offer on purchases for the first six months
- You want a card with no annual fees
- You don’t mind passing up rewards or signup bonuses
Citizens Bank Everyday Points® Business Mastercard®
Citizens Bank Everyday Points® Business Mastercard®
- 15.99%, 20.99%, 23.99% or 25.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 28.24% variable based on the Prime Rate Cash Advance APR
- 0% for 7 months from account opening date Intro Purchase APR
At a Glance
The Citizens Bank Everyday Points® Business Mastercard® offers cardholders two points for every dollar they spend with their card. There is no limit to the points a cardholder can earn, and cardholders are also eligible to receive a 3.5% points bonus in the first 90 days from the date of opening an account. What’s more, this card has no annual fee. Continue reading to learn more about this credit card’s benefits.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 2 reward points per $1 spent
- 3.5% introductory point bonus in the first 90 days
- 0% introductory APR
- Intro Purchase APR: 0% for 7 months from account opening date
- Regular Purchase APR: 15.99%, 20.99%, 23.99% or 25.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 28.24% 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
- You don’t want to pay an annual fee
- You want to earn rewards points for your purchases
- You would like to earn bonus points in the first 90 days
- You like a 0% introductory APR for 7 months
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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.
FAQs About Citizens Bank
Here are answers to frequently asked questions about Citizens Bank:
Citizens is part of the RBS Group. The bank was acquired by RBS in 1988.
- The routing number depends on the state in which you bank:
- Connecticut: 211170114
- Delaware: 031101143
- Massachusetts: 211070175
- Michigan: 241070417
- New Hampshire: 011401533
- New Jersey: 036076150
- New York: 021313103
- Ohio: 241070417
- Pennsylvania: 036076150
- Rhode Island: 011500120
- Vermont: 021313103
Find the Best Card for You
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