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Citizens Bank Credit Cards

Citizens Bank Credit Cards is a Balance Transfer Credit Cards.

Citizens Bank Credit Card is a credit card provided by Citizens Bank for customers to help shopping. Citizens Bank was founded in 1828, headquartered in Providence, Rhode Island. Is a listed company in the United States, mainly doing financial services. Citizens Bank Credit Card is more suitable for Citizens Bank's loyal shoppers, providing customers with a good shopping experience, bringing more shopping discounts. So if you like shopping, you can learn some ways to save money.

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Citizens Bank Credit Cards List

Citizens Bank Cash Back Plus™ World MasterCard
Card Details

Citizens Bank Cash Back Plus™ World MasterCard

Citizens Bank Credit Card is a credit card provided by Citizens Bank for customers to help shopping. Citizens Bank was founded in 1828, headquartered in Providence, Rhode Island. Is a listed company in the United States, mainly doing financial services. Citizens Bank Credit Card is more suitable for Citizens Bank's loyal shoppers, providing customers with a good shopping experience, bringing more shopping discounts. So if you like shopping, you can learn some ways to save money.

Citizens Bank Clear Value™ MasterCard®
Card Details

Citizens Bank Clear Value™ MasterCard®

Citizens Bank Credit Card is a credit card provided by Citizens Bank for customers to help shopping. Citizens Bank was founded in 1828, headquartered in Providence, Rhode Island. Is a listed company in the United States, mainly doing financial services. Citizens Bank Credit Card is more suitable for Citizens Bank's loyal shoppers, providing customers with a good shopping experience, bringing more shopping discounts. So if you like shopping, you can learn some ways to save money.

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Alternatives

If you don't want to pay off your balance in full every month, you can choose The Amex EveryDay® Credit Card from American Express.

The Amex EveryDay® Credit Card from American Express
Card Details

The Amex EveryDay® Credit Card from American Express

  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 23.99%.
  • No annual fee.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
  • View Rates and Fees

If you would like to shop at Store, you can choose Old Navy Visa® Card.

Old Navy Visa® Card
Card Details

Old Navy Visa® Card

  • Get 20% off on your first purchase upon approval.
  • Earn 5 points for every $1 spent at Old Navy, Gap, Banana Republic and Athleta. Earn 1 point for every $1 spent everywhere else you use your card.
  • Get $5 Rewards Card for every 500 points you earn.
  • Earn 500 bonus Rewards points if you Go Paperless and another 500 bonus rewards points when you sign up for email updates.
  • Reach Navyist status by earning 5,000 points in a calendar year and you’ll have access to exclusive extras.

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What Credit Cards Are Available? (2)

Citizens Bank Cash Back Plus™ World MasterCard Citizens Bank Cash Back Plus™ World MasterCard Citizens Bank Clear Value™ MasterCard® Citizens Bank Clear Value™ MasterCard®
Sing-Up Bonus Yes No
Annual fee $0 $0
Benefits
Sign up bonus of 25,000 points after $5,000 in spend within the first 90 days
The card earns 2x points on all purchases
No annual fee ✔ ✔
0% Introductory APR for the first six months
Try to use your card regularly so you can earn a 10 percent purchase bonus on all of your rewards. ✔
Cash back doesn’t expire ✔ ✔
Minimum redemption amount is low ($25) ✔
Citizens Bank Cash Back Plus® World Mastercard® is changing to a flat 1.8% cash back on all eligible ✔ ✔
Card Details
Card Details

What is a balance transfer credit card?

Balance transfer credit cards give people the opportunity to transfer from a high-interest credit card to a lower-interest credit card. They also can help cardholders save a lot of money they need to pay for interest. For example, if you have a high balance on a reward credit card at 23% APR, you can transfer the debt to a balance transfer credit card with a lower rate during the introductory period, so you can save money on interest and pay down your debt faster. However, you can only transfer an amount up to your credit limit on the new credit card.                

What are the benefits of balance transfer credit cards?

Low balance transfer APR

Low balance transfer APR can help you to pay existing debt faster. This is because you can get a low promotion or introductory APR to pay the balance within a specified time frame.

Low introductory APR

This may help you cut time which takes to reduce your debt and save money on interest.

Easy to keep track of your payment

Consolidating all of your balances on to one card with a low introductory APR instead of paying multiple credit cards on multiple due dates, means you only have to keep track of one payment a month.  

What do you need to apply for a balance transfer credit card?

Credit score

The issuer will review your personal credit history when determining whether to approve your credit card and what terms you are eligible for. Responsible past use of credit will maximize your chances.

Application

You can apply for a store credit card online, in banks or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.                

How to use a balance transfer credit card?

Read your credit card terms and conditions.

This will give you an idea of how you can earn rewards, when rewards will post and other information. Check if the introductory APR offer and the introductory balance transfer fee apply only to the balance transfer, regular purchases, or both.

Pay down the debt

Avoid just chasing 0% balance transfer offers or keep bouncing balances from one card to another. Try to find a great balance transfer offer and making a plan to pay down your debt as soon as possible.

How to complete a balance transfer

When you respond to a balance transfer offer, you can indicate the account numbers you want to pay and how much you want to transfer.

After you get approved for the balance transfer, the new credit card issuer will contact your creditors or billers on your behalf and pay them the amount you want to transfer. This processing maybe takes up to two weeks.

If you have any payments due before that time, you have to make those payments by their due dates in order to avoid late fees.                

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About credits-life

About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why credits-life born, we aim to help you to find the right credit card, and then successfully apply a credit card.

How To Apply For A Credit Card

Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

  • Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.

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We provide free but advertising supported comparsion service for different credit cards, the offers that appear on this site are from third party advertisers from which we receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). We do not guarantee to offer all financial services companies or products on this website.

The credit score is a three-digit number relating to your credit worthiness. Banks or issuers use it to determine if they will approve you for a credit card. In credits-life, credit score ranges can be roughly equated to levels of credit, from limited credit to excellent credit.

Credit Score

Excellent Credit

750 — 850

Good Credit

700 — 749

Fair Credit

640 — 699

Bad Credit

300 — 639

Limited Credit

Less than 3 years of credit history

Applying for a credit card designed for people in the score range above does not guarantee you will be approved. Many other factors will go into credit card approval decisions.