A no-fee starter card for people with little or no credit history, with no penalty APR.
Rates, fees and offers
- Regular APR
- Variable APR; see Citizens' disclosures. No penalty APR.
- Annual fee
- $0
- Promo offers
- None currently advertised
- Balance transfer fee
- See issuer terms
- Rewards
- No rewards. For limited or no credit history; reviewed for a higher limit or upgrade in as little as six months.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Keep the balance low and pay on time; Citizens reviews accounts for upgrades after about six months.
Paying and contacting Citizens
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all Citizens cards → · Search all cards
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