How to Choose the Right Citizens Bank Credit Card?
Sometimes, choosing the right credit card from a specific credit card issuer can be challenging. Considering Citizens Bank, there are three steps that will make your decision process easier.
First of all, you are to figure out your current credit score. It varies from "Poor” to “Excellent”, and the higher your score is, the better Citizens Bank credit card offers and terms are available to you.
Secondly, you should understand why you want a Citizens Bank credit card and determine the most crucial aspects your future credit card must have. If you search for a credit card to improve your credit score, then look for the ones with extended grace period and no annual fee. If your goal is to not spend money on interest, Citizens Bank credit cards with the lowest interest and long intro offer are your option. In case you are looking for a credit card that will provide you cash rewards, check the rewards program the Citizens Bank offers.
Finally, try tocompare the Citizens Bank credit cards you find the best for you, but weighing in all the aspects. Overall, the best credit card meet the following characteristics: low annual percentage rate (APR), long grace period, low fees, extended 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 provides a range of credit cards with various features, yet it’s better to find the one that designed for you.
