No-fee cash back: 3% on dining and groceries, 1.5% on everything else.
Rates, fees and offers
- Regular APR
- Variable APR; see Citizens' disclosures.
- Annual fee
- $0
- Promo offers
- 0% intro APR on balance transfers for the first 12 billing cycles.
- Balance transfer fee
- See issuer terms
- Rewards
- 3% cash back on dining and groceries; 1.5% everything else.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Regional bank cards often reward having a checking account with the bank; check the relationship bonuses.
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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