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Citizens Bank Credit Cards

We found 4 Citizens Bank credit cards. Read on to get more insights.

Citizens Bank
4.1
By Hanna Volkava
Updated November 01, 2025
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Citizens Bank Cash Back Plus® World Mastercard®

Citizens Bank Cash Back Plus® World Mastercard®
Annual fee:
$0
Regular APR:
21.24% - 29.24% Variable
Our Rating:
5
scorer
Credit score
Good (670-739)
  • Rewards Rate:
    • 1.8% Cash Back on everything else.
  • Intro Offer:
    • $200 Earn $200 when you spend $500 in the first 90 days and earn up to $100 when you enroll in TSA PreCheck® in the first year of your new card being opened.
  • Balance Transfer APR:
    21.24% - 29.24% Variable
  • Issuer name:
    Citizens Bank
  • Details:

    The Cash Back Plus® World Mastercard® Credit Card offers 1.8% Cash Back on all other purchases. Earn $200 when you spend $500 in the first 90 days and earn up to $100 when you enroll in TSA PreCheck® in the first year of your new card being opened.

    The Card has a 0% introductory APR period on balance transfers for the first 15 billing cycles, thereafter 21.24% to 29.24% variable APR based on your creditworthiness.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
    • Intro APR period on balance transfers
  • Cons:
    • No Intro APR period on purchases
  • Benefits:
    • $200 (when you spend $500 in the first 90 days);
    • Up to $100 (when you enroll in TSA PreCheck® in the first year of your new card being opened);
    • 1.8% Cash Back on everything else;
    • Zero Liability Protection;
    • Digital Wallets.
View all Cash Back Plus® World Mastercard® details
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Card detail

Citizens Bank Everyday Points® Business Mastercard®

Citizens Bank Everyday Points® Business Mastercard®
Annual fee:
$0
Regular APR:
13.49% - 24.49% Variable
Our Rating:
3.26
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5x In rewards on your everyday business expenses.
  • Intro Offer:
    • $325 In rewards when you spend $5,000 in the first 90 days.
  • Purchase Intro APR:
    0% Introductory APR until the first day of your seventh billing cycle
  • Issuer name:
    Citizens Bank
  • Details:

    The Citizens Bank Everyday Points® Business Mastercard® Credit Card offers 1.5x points in rewards on your everyday business expenses. Earn $325 in rewards when you spend $5,000 in the first 90 days.

    The Everyday Points® Business Mastercard® doesn't charge an annual fee. The Card has a 0% introductory APR period on all purchases for 6 months (13.49% - 24.49% Variable thereafter).

  • Pros:
    • Intro APR period on purchases
  • Cons:
    • Balance transfers are not available
    • Foreign Transaction Fee
  • Benefits:
    • $325 in rewards (when you spend $5,000 in the first 90 days);
    • 1.5x in rewards on your everyday business expenses;
    • Zero liability for unauthorized account services;
    • Mastercard Global Service®;
    • MasterRental® Car Insurance.
View all Everyday Points® Business Mastercard® details
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Card detail

Citizens Bank Clear Value® Mastercard®

Citizens Bank Clear Value® Mastercard®
Annual fee:
$0
Regular APR:
19.24% - 27.24% Variable
Our Rating:
3.63
scorer
Credit score
Good (670-739)
  • Purchase Intro APR:
    0% Introductory APR for the first 18 billing cycles from the date of account opening
  • Balance Transfer APR:
    19.24% - 27.24% Variable
  • Issuer name:
    Citizens Bank
  • Details:

    The Citizens Bank Clear Value® Mastercard® Credit Card is designed to be used as a basic card for everyday purchases.

    The Clear Value® Mastercard® doesn't charge an annual fee.

    The Card has a 0% Intro APR period for the first 18 billing cycles from the date of account opening. After that, your APR will be 19.24% - 27.24%, based on your creditworthiness.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • No rewards
    • Foreign Transaction Fee
  • Benefits:
    • Extended Warranty Protection;
    • Zero Liability Protection;
    • ID Theft Protection;
    • Digital Wallets;
    • 21-day grace period on all purchases.
View all Clear Value® Mastercard® details
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Card detail

Citizens Bank Business Platinum Mastercard®

Citizens Bank Business Platinum Mastercard®
Annual fee:
$0
Regular APR:
13.49% - 24.49% Variable
Our Rating:
2.23
scorer
Credit score
Good to Excellent (670-799)
  • Purchase Intro APR:
    0% Introductory APR until the first day of your thirteenth billing cycle
  • Issuer name:
    Citizens Bank
  • Details:

    The Citizens Bank Business Platinum Mastercard® Credit Card has a 0% introductory APR period for 12 months from account opening - after that, a variable APR of 13.49% - 24.49%.

    The Business Platinum Mastercard® doesn't charge an annual fee.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases
  • Cons:
    • Balance transfers are not available
    • Penalty APR
    • Foreign Transaction Fee
  • Benefits:
    • MasterRental® Car Insurance;
    • Mastercard Easy Savings® Program;
    • Travel Accident Insurance;
    • Mastercard Global Service®;
    • Zero liability.
View all Business Platinum Mastercard® details
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Card detail

How to Choose the Right Citizens Bank Credit Card?

Sometimes, choosing the right credit card from a specific credit card company can be difficult. Considering Citizens Bank, the three following steps will help you.

First of all, you need to check your current credit score. It will be from "Poor” to “Excellent”, and the higher your credit score is, the better Citizens Bank options of credit cards are available to you.

Then, you have to identify why you need a Citizens Bank credit card and determine the most important aspects your future credit card must have. If you want a credit card to improve your credit, look for the ones with long grace period and no annual fee. If your aim is to avoid spending money on interest, Citizens Bank credit cards with the lowest interest and introductory rates are your best choice. In case you need a credit card that will provide you cash, points, or miles rewards, check the rewards program the Citizens Bank offers.

Finally, try tocompare the Citizens Bank credit cards you find the best for you, but looking at all the aspects. Overall, an ideal credit card meet the following characteristics: near-zero annual percentage rate (APR), long grace period, no fees, high credit limit, the finance charge calculations include one billing cycle only, and large rewards and sign-up bonuses. You can easily compare Citizens Bank credit cards in the table below.

Side-by-Side Comparison of Citizens Bank Credit Cards

Card Name APR Annual fee Rewards Intro offer
Cash Back Plus® World Mastercard® 21.24% - 29.24% Variable $0
  • 1.8% Cash Back on everything else.
  • $200 Earn $200 when you spend $500 in the first 90 days and earn up to $100 when you enroll in TSA PreCheck® in the first year of your new card being opened.
    • Everyday Points® Business Mastercard® 13.49% - 24.49% Variable $0
  • 1.5x In rewards on your everyday business expenses.
  • $325 In rewards when you spend $5,000 in the first 90 days.
    • Clear Value® Mastercard® 19.24% - 27.24% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
    • Business Platinum Mastercard® 13.49% - 24.49% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.

    • Conclusion

    Today, Citizens Bank has a range of credit cards with various options, yet it’s important to find the best one for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us

    Credit cards in other banks