© 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).
Citizens Bank corporate headquarters: One Citizens Plaza, Providence, RI 02903
All accounts are subject to individual credit approval.
MasterCard® 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.
1 Earn cash back rewards of 1.5% on all eligible net purchases, plus the chance to earn a 10% Purchase Bonus and a 10% Relationship Bonus on your earned cash back. 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. Take advantage of both bonuses and earn a total of 1.8% cash back.
2 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.
3 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 credit card account is in good standing and you make an eligible purchase once every twelve (12) months. If you do not make at least one purchase every twelve (12) months, all 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.
4 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.
Once you take advantage of this balance transfer, you will pay interest on all purchases made with your credit card unless you pay your entire balance (including any transferred balances) in full by the statement due date.
5 As of 11/26/2015. 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. Your APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the Index to a margin of 14.49, 17.49, or 20.49 percentage points. The APR for Cash Advances is determined monthly by adding the Index to a margin of 21.74 percentage points. The Index is determined monthly and it is the three month LIBOR (London Interbank Offered Rate) published in the northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month rounded up to the nearest one-quarter of a percentage point. If the first day of the preceding month is not a business day, the Bank will use the three month LIBOR published on the next business day.