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Citizens Bank


According to their website’s homepage, Citizens Bank is big on community, and as a result, offers a variety banking options as well as credit cards for consumers; from students, to personal use, to business and corporate banking, Citizens Bank can trace its origins to 1828 Providence. Today, Citizens Bank provides approximately 1,400 branches in the mid-Atlantic, New England, and the Midwest.

Citizens Bank credit cards also provide a number of options for consumers. Citizens Bank provides credit cards with rewards, including cash back, lower APRs, and low interest rates. You can choose which style you prefer, based on your needs, shopping habits, and of course, your budget. Of the major credit cards offered by Citizens Bank, each provides a variety of benefits and perks for cardholders.

Types of Citizens Bank Credit Cards

Citizens Bank credit cards are offered in personal and business environments. For example Citizens Bank’s three major personal credit cards include:

• Cashback Platinum MasterCard
• Premium MasterCard
• Green$ense Platinum MasterCard

For small businesses, Citizens Bank credit cards include:

• Everyday Point Business MasterCard
• Business Platinum MasterCard

Both the personal and business Citizens Bank credit cards offer a variety of benefits when it comes to perks, features, APRs, and fees – for personal or business consumers.


The Citizens Bank credit cards for business offer a variety of features and benefits including low introductory rates for the first six billing cycles. Business credit cards offer expense tracking and online account management, convenient payment options, and control and management of employee expenses. Rewards attached to the business credit cards include redemptions offered for merchandise, travel, and gift cards.

Perks and benefits attached to the personal Citizens Bank credit cards include 5% cashback offers on drugstore purchases, grocery shopping, and gasoline when using the Cashback Platinum MasterCard. After 90 days, this card also offers a 1% cashback on all purchases, rewarded in $50 increment checks. When using the Green$ense Platinum MasterCard, you can earn up to $.25 per purchase when you make up to ten qualifying credit card transactions posted to your account every calendar month.

Annual Percentage Rates and Fees

Annual percentage rates and fees for the personal Citizens Bank credit cards range between 13.99% and 19.99%, depending on which card you get and your credit worthiness. Each of the personal Citizens Bank credit cards offers 0% introductory annual percentage rate for balance transfers and purchases for the first 12 months. The Everyday Points Business MasterCard enables cardholders to accrue rewards for “everyday” items, and when combining with a debit card, enables cardholders to earn rewards quickly. Compare the Citizens Bank credit cards side by side and you’ll notice that while many offer similar percentage rates and fees, the perks and benefits are catered to individualized tastes.

Annual Fees

None of the personal Citizens Bank credit cards come with annual fees. No annual fees are attached to be business credit cards, either, which certainly pleases Citizens Bank customers. Depending on region, each of the Citizens Bank credit cards offer a variety of options, rewards, and redemption opportunities.

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