Citizens Bank Platinum MasterCard®

Credit Card

The best rate available from Citizens Bank, plus convenience, protection, and great platinum benefits.

  • Rates as low as 13.99% — ideal if you carry a balance
  • Up to 21-day grace period on all purchases1
  • No annual fee

Introductory rate

  • 0% introductory APR on balance transfers for 15 billing cycles2, thereafter a 13.99%, 16.99% or 19.99%3, variable APR based on your creditworthiness
  • Plus, enjoy a $0 introductory balance transfer fee for the first 60 days your account is open. After that, either $10 or 3% of the amount of each transfer, whichever is greater, on transfers made within 4 months of account opening. Thereafter the fee for balance transfers is either $10 or 4% of the amount of each transfer, whichever is greater.2


  • Zero Liability protection against unauthorized purchases4
  • Identity Theft Resolution Services assists you with credit bureau notification and card replacement should you become a victim of identity theft5
  • Travel accident insurance5
  • Extended warranty protection doubles the original manufacturer’s or store brand warranty for up to one year5
  • Price Protection5

Built in benefits

  • 24/7 online account management
  • Up to 21-day grace period on all purchases1
  • Year-end summary statement
  • Balances count toward Circle Gold checking monthly combined balance

Frequently asked questions

Find answers to the most frequently asked questions about your Citizens Bank Platinum MasterCard®.

What does it cost to apply?

There are no application fees for applying.

How long will it take to process my application?

In most cases, it takes two weeks. However, it may take up to 30 days to process your application.

Is the information I submit on this application secure?

Yes. We use the highest form of Internet security technology. This ensures that the private and personal information you are submitting remains secure and confidential.

Will I receive some sort of confirmation after I submit the online application?

Yes. After you submit your application, a confirmation page will appear on your screen. It may take a few moments, so please do not interrupt your browser during this process.

Is there an annual fee for the card?

No. You won't be charged an annual fee for the Citizens Bank Platinum MasterCard®.

What Platinum benefits do I get?

The purchases you make with your card have Extended Warranty Coverage which doubles the protection on most manufacturers' warranties up to one year. Plus, you get Price Protection, Identity Theft Resolution Services, travel accident insurance protection and an optional year-end account summary statement. For more information, click here.

Can I manage my account online?

Yes. Simply enroll in enroll in Citizens Bank Credit Card Online Services. You can see recent and past statements, pay your credit card bill, check balances and more online. Enrollment is free and available 24/7.

Where is my card accepted?

You can use your card at millions of MasterCard® locations worldwide – including online. No card is accepted in more places.

How can I make balance transfers with my card?

It’s easy. Just use the Balance Transfer checks in your Welcome materials. You may also click here or contact our Customer Service Department at 1-800-684-2222 for more information.

Will any balance transfer(s) I make appear on my next statement?

Balance transfers can take up to four weeks to process. Continue to pay the minimum monthly payments on the accounts you designate until the balance transfer payments appear as credits on those accounts.

What if I ever have a question or concern about my card?

Simply contact the Customer Service Department at 1-800-684-2222, Monday through Friday from 7 a.m. to 1 a.m. EST or Saturday and Sunday from 7 a.m. to midnight EST.

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