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Citizens Bank Credit cards for february 2024

Apply for a Citizens Bank Credit card. On 27.02.2024 you have access to 3 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Offers: 3
Updated:
15.12.2022
07:57
Citizens Bank
Citizens Wealth Cash Back Plus™ World Mastercard®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Submit your credit card application online
Submit your credit card application online

Take advantage of our credit card selection system with a free credit check!

Citizens Bank
Clear Value® Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Citizens Bank
Citizens Cash Back Plus™ World Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000

Credit Card Online Application of February 2024

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CreditFresh
4.8
The application process was a breeze, and I received a response within minutes. This straightforward and prompt procedure proved to be a great help to me during a crucial time of need.
Review
JG Wentworth
4.6
The assistance I received was exceptional. My representative handled my case with care and provided all the necessary information...
Review
OneMain Financial
4.4
The loan application process was straightforward, and the representative I interacted with displayed patience, provided informative answers, and was quite pleasant throughout...
Review
My Funding Choices
4.6
The process was swift and straightforward, which was particularly helpful during a time when, despite my reluctance to seek assistance, I genuinely needed help.
Review
Plain Green Loans
2
The interest rate is shockingly high, and it feels like taking advantage of individuals facing financial challenges when unexpected expenses arise...
Review
Advance America
4.6
I have never encountered any issues with this company. They consistently deliver funds on time, and the repayment process is straightforward...
Review

Types of cards 

The bank offers two types of MasterCard credit cards.

Citizens Cash Back Plus™ World Mastercard®

On everything you buy, you can get 1.8% cashback. That means you can make as much money as possible and do whatever you want. You will also not be charged any yearly or foreign transaction fees. This credit card is called Cash Back Plus because of this.

  • Annual Percentage Rate. Depending on your credit strength, you could pay 18.24%, 22.24%, or 26.24%. This APR depends on the Prime Rate and market conditions. 

  • Transfer APR. 0% APR for the first 15 billing cycles. Depending on your credit, your APR will be 18.24%, 22.24%, or 26.24%. This APR depends on the Prime Rate and market conditions. 

  • Cash-advance APR. 27.24%. This APR depends on the Prime Rate and market conditions. 

  • When late-payment APR applies. Non-interest bearing. Each billing cycle payment is due 25 days later. You won't be charged interest if you pay off your balance each month. Cash Advances, Balance Transfers, and Convenience Checks all accrue interest. 

  • Interest Minimum. Interest will be at least $1.50.

Clear Value® Mastercard®

The benefit of the bank's lowest rate credit card is evident, with a 0% initial APR on balance transfers and assets for the first 18 billing cycles, a variable APR of 16.24% - 24.24%, and no annual fee. Even if you have a balance, start paying less from the beginning.

  • Annual Percentage Rate. 0% APR for the first 18 billing cycles. Depending on your credit, your APR will be 16.24%, 20.24%, or 24.24%. This APR depends on the Prime Rate and market conditions. 

  • Transfer APR. 0% APR for the first 18 billing cycles. This APR depends on the Prime Rate and market conditions. Depending on your credit, your APR will be 16.24%, 20.24%, or 24.24%. 

  • Cash-advance APR. 27.24%. This APR depends on the Prime Rate and market conditions. APR and late payments: None. Each billing cycle payment is due 25 days later. If you pay off your balance each month, you will not be charged interest. Cash Advances, Balance Transfers, and Convenience Checks all accrue interest. 

  • Interest Minimum. Interest will be at least $1.50.

Pros and cons

Pros

  • With unlimited rewards, you can get flat cash back on all transactions. 

  • Balance transfers have a 15-billing-cycle 0% intro APR. 

  • There is no annual charge.

Cons

  • APR is relatively high. 

  • There will be no recurring bonus cash back from bonus categories. 

  • The rewards are slightly smaller than those offered by comparable flat cash-back credit cards.

Main requirements

The main requirements for Citizens Bank credit cards are:

  1. Being at least 18 years of age;

  2. Having a good credit history;

  3. No outstanding debts that exceed $10,000;

  4. No bankruptcy cases in the past seven years.

How to apply for a card

 To apply for a Citizens Bank credit card, you should visit the bank's website and click on the "Apply Now" button. 

You'll see a webpage where you can select the type of account you wish to open. If you want to apply for a credit card, there will be an option for it on this page. You'll be redirected to a webpage with a sign-in box. Enter your personal information, including your name, address, and social security number. Review the card's terms and conditions before applying (e.g., interest rates, annual fees, credit limit). And finish your application by clicking Apply Now. You can also apply by mail, phone, or in person at your local branch.

How to pay off a debt

With a Citizens credit card, you can pay your bill in the app with just a few taps. Log into the app and tap on the credit card you want to pay. Then tap the Pay button, and enter how much you want to pay—either the minimum payment, the total balance, or any amount in between. Next, select the Citizen's checking or savings account you'd like to pay from. If you need to add a new bank account, click Manage Other Accounts and then add account type in the account holder's name, the bank's routing number, and the account number, then click Add Account. You'll see a green check mark when it's all set. Once you've chosen the account you want to pay from, decide on the date, then tap Pay.

FAQ

What credit score do you need to get a Citizens Bank credit card?

You should be at least 18 years old, have enough income to make monthly payments, and have a credit score of 660+. The terms of the card become more favorable as the credit score increases. Even if you meet all the standards, your chances of acceptance are good, but approval is never guaranteed.

What credit card is associated with Citizens Bank?

Citizens Bank has partnered with Mastercard to offer its customers the Citizens Clear Value® Mastercard®, one of the most popular credit cards among consumers.

Can I pay my Citizens Bank credit card online?

Yes, you can pay your Citizens Bank credit card online. You can pay your Citizens Bank credit card online by logging into your account and clicking on the "Payments" tab. From there, you can make a payment by clicking on the "Pay Now" button.