Closed to new applicants: existing accounts keep working
Flat 1.8% cash back. Closed to new applicants; existing accounts keep working.
Rates, fees and offers
- Regular APR
- 15.99%–23.99% variable
- Annual fee
- $0
- Promo offers
- None currently advertised
- Balance transfer fee
- See issuer terms
- Rewards
- Unlimited 1.8% cash back on every purchase.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Replaced by the Citizens Summit card for new applicants. Keep an old no-fee card open for its account age.
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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