Three simple credit cards, unlimited possibilities
Selecting the right credit card shouldn’t be complicated. That’s why we offer three simple options designed around your preferences, whatever they are. Whether you pay it off every month, or carry a balance, we have a credit card with generous benefits. Just right for you — and full of possibility.
Citizens Cash Back Plus™ World Mastercard®
Earn 1.8% cash back on everything you buy. Yes, everything. And pay no annual or foreign transaction fees**. Plus, if you have a Citizens Quest® Checking account, you can boost your rate to 1.9% cash back. That’s how unlimited earning potential can get even higher.
**Important information about rates, fees, and cash back eligibility
Citizens Clear Value® Mastercard®
With a 0% intro APR on balance transfers for the first 18 billing cycles, thereafter a variable APR of #ProductLine=CreditCard|Brand=citizensbank|ProductName=Citizens Clear Value MasterCard|RateName=Introductory APR|ProductAttribute=RateValue# - #ProductLine=CreditCard|Brand=citizensbank|ProductName=Citizens Clear Value MasterCard|RateName=Penalty APR|ProductAttribute=RateValue#, and no annual fee, the value of our lowest rate credit card is clear. Even if you carry a balance, start paying less from day one†.
Citizens Private Client™ World Elite Mastercard®
Get a generous 2% cash back on everything. Annual Fee of $195 waived for Citizens Private Client™ Checking account customers4^. With no rotating categories and contactless payments, you could get closer to your financial goals.
^Important information about rates, fees, and cash back eligibility
Credit Card Features & Benefits
Convenience
- 24/7 online account management.
- Simply Tap and Go with our Contactless Credit Card for fast, easy and secure checkout wherever you see the contactless symbol.
- Use Digital Wallets, including Apple Pay®, Samsung Pay® and Google Pay™ to pay in store, online, and in app3.
Learn about the individual benefits of our Cash Back Plus and Clear Value credit cards.
Ideas & Insights
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
Citizens corporate headquarters: One Citizens Plaza, Providence, RI 02903
* Earn cash back on everything. To qualify, you must open a new Citizens Cash Back Plus™ World Mastercard®. The Cash Back Plus Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide with your Cardholder Agreement. The Reward Guide will explain the program, including the following: A) Earn cash back rewards on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back 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 back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards 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. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor. E) If eligible, it may take up to 15 days to process any Reward Program upgrades. Rewards will be applied after upgrade has been processed. F) Other terms may apply and will be included in the Agreement.
4 As a Citizens Private Client™ Checking customer in the CitizensPlus™ program, this Program is subject to Citizens Private Client™ Checking account approval and ongoing program qualification requirements. If you no longer meet your checking account qualification requirements, how you earn rewards may change. Account qualifications will be assessed periodically.
Annual Fee of $195. As a Citizens Private Client™ Checking customer in the CitizensPlus™ program, this Program is subject to Citizens Private Client™ Checking account approval and ongoing program qualification requirements. The Annual Fee will be assessed and rebated as long as you continue to meet the Citizens Private Client™ Checking account program qualifications. If you no longer meet your checking account qualification requirements, you will be assessed the Annual Fee of $195. Account qualifications will be assessed periodically.
1 Certain restrictions apply, see https://www.mastercard.us/zeroliability for further details.
2 Certain terms, conditions, and exclusions apply. See your Guide to Benefits for complete coverage and terms and conditions, call 1-800-Mastercard (1-800-627-8372), or go to citizensbank.com/credit-cards/cardholder/card-benefits.aspx.
3 Wireless carrier, text and/or data charges may apply.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries
Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.
Google Pay is a trademark of Google LLC. Google Pay works on Android devices running Android Lollipop 5.0 or above.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Credit cards are issued by Citizens Bank, N.A.