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Credit Cards

The cards you’ll reach for every time.

Our credit cards offer rates and rewards that fit the way you spend. Choose a card with great cash back rewards or our lowest interest rate.

Citizens Bank Cash Back Plus® World Mastercard®

A card with unlimited earning potential. Your Purchases can help you earn up to 1.8%* in cash back. Get 1.5% cash back on eligible1 purchases and 10% with our Purchase2 and Relationship3 Bonuses.

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Apply now

0%

Introductory APR on balance transfers for 15 billing cycles4, thereafter a 14.99%, 18.99%, or 22.99%6, variable APR based on your creditworthiness

Citizens Bank Clear Value® Mastercard®

Our lowest rate credit card with the added values of convenience, security protection and great benefits.

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Apply Now

0%

Introductory APR on balance transfers for 18 billing cycles5 from date of account opening; thereafter, a 12.99%, 16.99% or 20.99%7 variable APR based on your creditworthiness

Citizens Bank Cash Back Plus® World Mastercard®

Citizens Bank Clear Value® Mastercard®

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A card with unlimited earning potential. Your Purchases can help you earn up to 1.8%* in cash back. Get 1.5% cash back on eligible1 purchases and 10% with our Purchase and Relationship2 Bonuses.

Enjoy rates as low as 12.99% with a credit card that offers convenience, protection and great benefits.

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*Important information
about rates and fees

*Important information
about rates and fees

Rewards
  • Unlimited 1.5% cash back on every eligible purchase1 with no rotating categories or enrollments to keep track of
  • 10% Purchase Bonus on your earned cash back rewards when you make at least one purchase every month for six consecutive months or more2
  • 10% Relationship Bonus on your earned cash back rewards and Purchase Bonus when you direct deposit them in a Citizens Bank personal checking, Savings or money market account3
  • Our lowest APR card for purchases with rates as low as 12.99% - ideal if you carry a balance
Intro APR for balance transfers
  • 0% for first 15 billing cycles4
  • After 15 billing cycles, 14.99%, 18.99% and 22.99%5 based on your creditworthiness
  • 0% for first 18 billing cycles5
  • After 15 billing cycles, 12.99%, 16.99%, or 20.99%5 based on your creditworthiness
APR Rates
  • No annual fee*
  • Purchase APR of 14.99%, 18.99% or 22.99%6 applies from account opening based on your creditworthiness
  • No annual fee*
  • Purchase APR of 12.99%, 16.99% or 20.99%7 applies from account opening based on your creditworthiness
Security
  • Extended Warranty Protection doubles the original manufacturer’s or store brand warranty for up to two years8
  • Price Protection for 120 days from purchase8
  • Travel accident and baggage delay insurance8
  • Zero Liability Protection against unauthorized purchases9
  • Chip Technology enabled card
  • Extended Warranty Protection doubles the original manufacturer’s or store brand warranty for up to one year8
  • Price Protection for 60 days from purchase8
  • Travel accident and baggage delay insurance8
  • Zero Liability Protection against unauthorized purchases9
  • Chip Technology enabled card
Built-in benefits
  • Year-end summary statement
  • 24/7 online account management
  • Make purchases using Apple Pay™ in-store and in-app with participating merchants.
  • 21-day grace period on all purchases10
  • View your FICO® Score for free online.
  • Year-end summary statement
  • 24/7 online account management
  • Make purchases using Apple Pay™ in-store and in-app with participating merchants.
  • 21-day grace period on all purchases10
  • View your FICO® Score for free online.

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