Citizens Bank Credit Cards: What You Need to Know Before Applying

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Looking for a credit card that will grant you unlimited earning possibilities? How about one that gives you low rate offers? Citizens Bank credit cards may be perfect for you if you answered yes to either of those questions.

Whether you’re a meticulous employee in search of unmatched credit security or a smart shopper looking for above-average rewards, expect that Citizens Bank has a special card that suits your priorities.

Want to know more? Read on to learn valuable information about the requirements, perks, benefits, and fees associated with each card provided by this bank in the United States.

Features & Benefits of Citizens Bank Credit Cards

Overall, Citizens Bank offers two excellent credit cards. These are the Citizens Bank Cash Back Plus World Mastercard and the Citizens Bank Clear Value Mastercard. Here, we will discuss what features and benefits you can expect from each of them.

Citizens Bank Cash Back Plus® World Mastercard

If you’re on the lookout for a credit card that offers unlimited earnings and an impressive list of benefits, then the Citizens Bank Cash Back Plus World Mastercard serves as a good choice to bet on. Offering unlimited cash back rewards, the card lets you earn a total of 1.8% cash back on every eligible purchase you make with no rotating categories or enrollments to keep track of.

Moreover, the card also features a 24/7 online account management and a year-end summary statement to keep you updated on your spending patterns. Since it is powered by Mastercard, it also features Trip Cancellation Insurance, Trip Interruption Insurance, and MasterRental Insurance for collision, loss, or damage for a secured trip.

In terms of fees and charges, the card requires no annual fee, no foreign transaction fees, and no penalty APR for late payments. It also offers a 0% introductory balance transfer rate for the first fifteen billing cycles from the date of account opening.

Citizens Bank Clear Value Mastercard

Meanwhile, the Citizens Bank Clear Value Mastercard is best for people who are looking for a credit card with low-interest rates. Standing as Citizens Bank’s lowest APR card among their portfolio, the Clear Value Mastercard promises money-saving features and excellent benefits no one should miss out on.

Through the said card, cardholders who carry a balance could save when they apply for a Mastercard. It also features a 24/7 online account management and a year-end summary statement for a convenient and easy credit checking. Moreover, it also provides up to 21-day grace period on all purchases for a better shopping experience.

In terms of fees, the card offers a 0% introductory APR for the first eighteen billing cycles from the date of account opening.

Citizens Bank Credit Cards Cons

One weakness often associated with Citizens Bank cards is that both cards don’t offer any bonuses. Moreover, both cards are also known to present potentially high-interest rates, with the Citizens Bank Cash Back Plus® World Mastercard having a variable APR of 16.99%, 20.99%, or 24.99%, based on your creditworthiness; and the Citizens Bank Clear Value Mastercard has a variable APR of 14.99%, 18.99%, or 22.99%.

Citizens Bank Credit Cards Application

In order to apply for and avail of any of Citizens Bank’s credit cards, interested individuals can visit the Citizens Bank website and start their online application. The site also lets you specify your current location and help you locate the nearest branch in your area.

During the application, your personal information will be asked for, including complete name, residence, and monthly housing payment.

Citizens Bank Credit Cards Activation

Activating your credit card has never been easier with Citizens Bank’s online activation process.

Once you have received your card, simply go to the bank’s official site, click on the “Activate Now” button, login or create a username, enter your card information, and then you’re good to go.

The same method applies for existing customers who are receiving a new card due to a lost or expired card.

Citizens Bank Credit Cards Credit Limit

The bank will set a credit limit that will depend on your credit score and other necessary factors. In most cases, credit limits are based on an applicant’s creditworthiness and other similar factors. This means, the more creditworthy you are to the bank, the greater the chance of you getting a higher credit limit.

Citizens Bank Credit Cards APR, Interest Rates & Fees

Overall, Citizens Bank offers credit cards with impressive APR, interest rates, and fees.

  • Annual Fee – none for either card
  • Foreign Transaction Fee – none for the Cash Back card
  • Variable APR – 16.99-24.99% for the Cash Back card, 14.99-22.99% for the Clear Value card
  • Balance Transfer Rate – 16.99-24.99% for the Cash Back card (0% for first 15 billing cycles), 14.99-22.99% (0% for first 18 billing cycles)
  • Minimum Interest Charge – $1.50 for both cards
  • Cash Advance Fee – $10 or up to 3% for both cards
  • Late Payment Fee – up to $39 for both cards

Citizens Bank Credit Cards App & Online Banking

Citizens Bank offers a free Citizens Bank Mobile Banking app for users to be able to check available balances and activity, transfer funds, pay bills, deposit checks, and locate ATMs and branches with maximum ease and convenience.

The bank also features an impressive 24/7 online account management for all their credit cards.

Citizens Bank Cash Back card. Image source: https://www.citizensbank.com/credit-cards/overview.aspx.

Already a Citizens Bank Customer?

If you’re already a customer of Citizens bank, below are some additional pieces of information on how you can better manage your credit card.

Citizens Bank Address & Contact Details

If you have any concerns or inquiries regarding your credit card, you are free to contact Citizens Bank’s General Assistance at 1-800-922-9999 or Citizens Bank’s Mobile Banking Customer Service at 1-877-670-4100.

You can also email them by logging in to your online banking account and sending them a Secure Message with your questions, comments, or concerns. Lastly, you can also visit them by checking out their site’s Branch/ATM Locator in order to find a branch close to you.

Citizens Bank Credit Cards Payment Options

There are many ways to make your payment under Citizens Bank, such as by mail or by electronic means. When mailing your payments, it must be accompanied by the return portion of your statement. Payments must also be made in U.S. Dollars drawn on a federally-insured depository institution located in the U.S.

Meanwhile, in order to make your payment via electronic means, such as telephone or Internet, you may be charged by the bank with an expedited service fee.

How to Cancel a Citizens Bank Credit Card

You may close your Account by calling or writing to Citizens bank via any of the contact information provided above. However, you must agree first that the bank will not be held responsible for any costs, damages or inconvenience you suffer as a result of the closing of your account.

Conclusion

Overall, Citizens Bank offers an impressive pair of credit cards that are sure to make your finance and budget management much easier. With money-saving features, security and shopping protection services, and an impressive set of benefits, Citizens Bank cards are just a few of the worthy card candidates you might consider having.

Disclaimer:

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.