When selecting a credit card, the options are seemingly endless. Deciding which is best for you and your financial needs can be daunting.
The Citizens Bank Credit Card offers some of the best benefits and features if you’re looking for a reliable and trustworthy card.
This credit card review will provide an in-depth look at all aspects of the card, from its rewards and fees to its security features and customer service.
With the correct information, you can make an informed decision and determine if this is the right card. Let’s dive into the reading for further details!
- 1 Citizens Bank Credit Card Overview
- 2 Benefits of Citizens Bank Credit Card
- 3 What Do You Need to Use a Citizens Bank Credit Card?
- 4 Types of Citizens Bank Credit Cards
- 5 Citizens Bank Cash Back Plus Credit Card Overview
- 6 Should You Get Citizens Bank Credit Card?
- 7 Conclusion
Citizens Bank Credit Card Overview
Citizens Bank offers a wide range of credit card options to suit your needs. Citizens Bank has something for everyone, whether you’re looking for a rewards program, low-interest rates, or simple cashback options.
They offer some of the most competitive rates in the industry and a variety of different card options that can help you save money.
With an extensive array of features and benefits, Citizens Bank credit cards are an excellent choice for individuals and businesses.
Here are some features you will consider:
1.55% per month
- Citizens Bank offers a competitive credit card option with an introductory APR of 1.55% per month for the first 12 months of card ownership.
- After the introductory period ends, the APR rate will adjust to the applicable APR for the card.
- This rate may vary depending on the cardholder’s creditworthiness and other factors.
Credit Card Limits
Citizens Bank offers a variety of credit cards designed to meet customers’ individual needs and preferences.
Credit card limits are one important factor to consider when choosing a credit card, as they determine the amount of money you can charge to your card.
The credit cards limits for some cards are as follows:
|Visa Classic Credit Cards||US$300.00 to US$5,000.00|
|Visa Gold Credit Cards||US$5,000.00 to US$50,000.00|
|Visa Business Credit Cards||US$5,000.00 to US$50,000.00|
When it comes to security, Citizens Bank takes extra steps to ensure the protection of its customers.
All of their credit cards offer fraud protection, identity theft protection, and secure online access such as Citizens Bank Login, password,…
Here are the primary securities accepted by Citizens Bank credit cards:
- Property – Transport
- Guarantors with suitable collateral
- Existing securities from mortgages
Benefits of Citizens Bank Credit Card
The Citizens Bank credit card offers a wide range of benefits for cardholders, making it an excellent choice for individuals looking for a flexible and reliable financial solution.
Below are the benefits of Citizens bank credit cards:
- When you shop online using your Citizens Bank Credit Card, you benefit from the card’s security features, as well as its reliability, versatility, and ease of making payments.
- Your card will arrive in 7 business days if you meet all the good commands.
- The replacement of lost or stolen cards will be available within 24 hours.
- Monthly statements detailing your transactions and their respective currencies are delivered easily, simplifying your record-keeping.
- You can view your authorizations, transactions, and the previous three statements with Cardholder Online Inquiry.
- Reporting a lost or stolen card and getting an immediate replacement is part of Visa’s worldwide customer service offerings.
- Keep track of your transactions quickly and get monthly statements that display the currency used.
- Get real-time updates on your transactions sent directly to your inbox or your phone via email or SMS.
- 0% introductory APR
- No annual fee
- Cash back the rewards on eligible purchases
- Exclusive discounts and savings from various merchants and retailers
- Access to a variety of travel benefits
What Do You Need to Use a Citizens Bank Credit Card?
To use a credit card Citizens Bank, you must meet specific qualifications.
- You must be 18 years old, have a valid Social Security number, and have a good credit score, particularly 740 to 850.
- You will also need to provide valid identification and proof of income.
- You may also need to provide additional documentation, such as a re1cent utility bill or bank statement.
Once you have met all the requirements, you can apply for a credit card.
After your application is approved, you can use your card to make purchases and take advantage of the rewards and benefits that come with it.
Types of Citizens Bank Credit Cards
Citizens Bank offers a variety of credit cards tailored to meet the needs of every consumer, from students to small business owners and frequent travelers.
The choices range from low-interest, no-fee cards to rewards-earning cards with higher annual fees.
Here are some of the types of Citizens Bank credit cards available:
Visa Classic/Visa Gold Credit Card
Citizens Bank offers a range of credit card options to suit your needs. The Visa Classic and Gold Credit Cards are two of their most popular offerings.
- The Visa Classic Card provides the convenience and reliability of Visa with the added security of a chip-enabled card.
- The Visa Gold Card offers the same features but with extended benefits such as 0% introductory APR on balance transfers, global acceptance, and access to exclusive rewards.
- Both cards offer no foreign transaction or annual fees and a competitive APR.
With Citizens Bank, you can find the perfect credit card for your lifestyle.
Sole Trader/Partnership Credit Card
Citizens Bank offers a range of credit cards tailored to the needs of sole traders and partnership businesses.
These cards provide a convenient way to manage business finances, offering features like low-interest rates, rewards programs, and exclusive benefits.
The Sole Trader/Partnership Credit Card is for businesses with one or two owners.
- This card offers business owners a generous credit limit, flexible repayment terms, and a rewards program.
- You’ll enjoy exclusive benefits like access to events, discounts, and travel perks.
Whether you’re looking to earn rewards on business purchases or manage cash flow more efficiently, this card is a great option.
Incorporated Business Card
The Incorporated Business Card from Citizens Bank offers businesses a wide range of benefits.
This credit card is perfect for businesses that want to maximize their purchasing power and build their credit score.
The card offers:
- A low, fixed APR and no annual fee make it an ideal choice for businesses that want to manage their finances responsibly.
- Cashback rewards, exclusive discounts, and access to purchase protection and extended warranty services.
- 0% introductory APR on purchases and balance transfers
- A 24/7 customer service line
This card is excellent for businesses looking to save on expenses and build a positive credit history.
Citizens Bank Cash Back Plus Credit Card Overview
As we know, the Citizens Bank Cash Back Plus Credit Card is an excellent option for those looking for a convenient way to earn cash back rewards.
With no annual fee and generous rewards, this card is an excellent choice for individuals. Here are some key points to consider about it.
The Cash-back Can Be Tied Up
The card makes it simple to collect rewards, but cashing them in can be difficult.
All rewards must be cashed out in increments of $25 and can be used as a statement credit on your card or a direct deposit into a personal checking, savings, or money market account with Citizens.
While many cashback cards have a minimum redemption restriction, you usually have to hit a certain dollar level before you may cash out your rewards in any amount you please. However, the requirements for using this card are stricter.
- The $80 rewards you’ve earned with your Mastercard are not immediately available.
- You can pay out if you reach $100, but if you get $80, you can’t.
New Cardholder May Earn Rewards for the Limited Time
New cardholders can take advantage of a limited-time offer of bonus rewards on the card. This offer is a great way to maximize cash back and earn even more rewards on the card’s already lucrative cashback program.
- Through January 4, 2022, new cardholders can earn a 5% bonus on their mastercard. You’ll get 1.8% after that point.
- All rewards are automatically credited to your account as a statement credit, or you can redeem them as a bank deposit, gift card, or merchandise.
- Spend up to your limit and get paid 2.2% until you reach $300, which reduces to 1.8%.
- The 5% bonus will cease to exist after the first year. Other cards provide $200 or more bonuses for far lower spending minimums.
It Has an Introductory Balance Transfer Offer
This credit card is an excellent option for individuals looking for an introductory balance transfer offer.
- With this card, you can enjoy a 0% APR for your first 15 billing cycles on balances transferred within 90 days of opening your account.
- You’ll also gain access to several other rewards and benefits, such as cashback on everyday purchases, no annual fee, and a competitive APR.
- Debt on a higher-interest card can be transferred to a card with an introductory 0% APR term and paid off more cheaply.
- It’s vital to do the math before moving a balance to this card because the balance transfer fee is greater than 4% of the value of each transfer or $10.
It Earns a Flat Rate on All Purchases
- The flat rate for this card is 1.8% cash back on all purchases, and You can redeem it in the form of statement credits, direct deposits, or a check.
- In addition to the 1.8% savings, you’ll get every time you use your mastercard to make a purchase, and you can earn an infinite amount of cashback.
You’ll Get a Break on Fees
Not only will you earn cash back on eligible purchases, but you’ll also get a break on fees.
- The Cash Back Plus Card offers no annual, balance transfer, or cash advance fee.
- You’ll save money with no foreign transaction fees when you use your card abroad.
- Credit card customers who may be late with their payments will also receive some leniency. There will be an assessment for late payment fees, but your interest rate will not increase.
Should You Get Citizens Bank Credit Card?
If you’re looking for a cashback credit card that doesn’t need you to keep track of points or worry about them expiring, Citizens Bank Credit Card is for you.
There is no need to remember different bonus categories or to activate additional rewards to receive the maximum 1.8% reward on all purchases.
When you use the card, you automatically get straightforward rewards.
- Balance transfers have a 0% initial APR for the first 15 billing cycles, then a 15.99% – 23.99% variable APR after that, which could help you pay down your previous debt more quickly.
- One of the most extended promotional periods is 15 billing cycles, providing you plenty of time to pay off your balance.
The Citizens Bank Credit Card is an excellent option for those looking to earn rewards, save on interest, and enjoy the convenience of digital banking.
It offers competitive rewards and an excellent balance transfer offer, and its customer service is top-notch.
This card can be an excellent addition to your wallet if you pay off your balance each month and have a good credit score.
Thank you for your attention!