© Copyright 2015 Citizens Financial Group, Inc. All rights reserved.
Citizens Bank is a brand name of Citizens Bank, N.A. (NMLS ID# 433960) and Citizens Bank of Pennsylvania (NMLS ID# 522615).
All accounts are subject to individual credit approval.
is a registered trademark of MasterCard International Incorporated.
Credit cards are issued by Citizens Bank, N.A.
Certain conditions, restrictions and exclusions apply. Full terms and conditions will be sent when you become a cardmember.
You are solely responsible for any taxes that may be owed as a result of rewards earned and/or redeemed under this card. Please consult your tax advisor. Citizens Bank N.A. does not provide tax advice.
Earn cash back rewards of 1.5% on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash rewards.
Purchase Bonus: Eligibility is determined by making at least one eligible purchase every month for six (6) consecutive months. In the seventh (7th
) month, you will earn 10% on your cash back rewards for all purchases made during the previous six (6) months. You will continue earning the Purchase Bonus as long as you continue to make one eligible purchase each consecutive month. The subsequent bonuses will be received monthly for rewards earned during the previous month. If you have a month without a purchase, your Purchase Bonus counter will reset to zero. You will be eligible for the Purchase Bonus after another consecutive six (6) months of a purchase.
Relationship Bonus: Receive an additional 10% on earned cash back rewards and Purchase Bonus that you redeem via direct deposit into a Citizens Bank personal checking, savings, or money market account.
To open a Citizens Bank personal checking, savings or money market account you must have a residential address in the Citizens Bank footprint: MA, CT, RI, VT, NH, PA, NY, NJ, DE, MI, OH.
Points will not expire as long as your account is in good standing and you make an eligible purchase once every twelve months. If you do not make at least one purchase once every 12 months, your points will be forfeited.
You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) that reflects the value of the Relationship Bonus. Please consult your tax advisor. Citizens Bank, N.A. does not provide tax advice.
0% introductory APR is for your first 12 billing cycles. At the time of application, each balance transfer check will have an introductory fee of 3% with a $10 minimum, thereafter 4% with a $10 minimum. APR based on creditworthiness. Rates can vary based on our review of your application and credit history.
As of 4/28/2015. We will determine your margin and APR based upon our review of your application and your credit history. If approved, your margin and APR will be shown on the Pricing Addendum, which will be provided with your credit card and your Agreement.
Certain conditions, restrictions and exclusions apply. See your Guide to Benefits for complete program details.
Zero liability applies to "unauthorized" purchases made in the store, by telephone or online. "Unauthorized" use means that you did not provide, directly, by implication or otherwise, the right to use your card and you received no benefit from the "unauthorized" purchase. The conditions that need to be met are the following: You have exercised reasonable care in safeguarding your card from any unauthorized use. You have not reported two or more unauthorized events in the past 12 months. Also, your account must be in good standing. This does not apply if a PIN is used for the unauthorized purchases. Conditions and exceptions apply. Go to http://www.mastercard.us/zero-liability.html
When you pay your account balance in full by the due date.