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    READY FOR A NEW CREDIT CARD?

    Choose from our Cash Back
    and Low Interest Rate options.

    Two simple credit cards, unlimited possibilities

    Selecting the right credit card shouldn't be complicated. That's why we offer two simple options designed around your preferences, whatever they are. Whether you pay it off every month, or carry a balance, we have a credit card with generous benefits and no annual fee*. Just right for you — and full of possibility.

    CASH BACK

    Cash Back Plus®

    Cash Back Plus? World Mastercard?

    Earn 1.8% cash back on everything you buy. Yes, everything. That means your earning potential and possibilities are unlimited. And pay no annual or foreign transaction fees. That's why we call this credit card Cash Back Plus.*
    *Important information about rates, fees, and cash back eligibility
    Get Started
    Learn More
    or

    LOW INTEREST RATE

    Cash Back Plus®

    Clear Value? Mastercard?

    With a 0% intro APR on balance transfers for the first 18 billing cycles, thereafter a variable APR of 13.99%-21.99%, and no annual fee, the value of our lowest rate credit card is clear. Even if you carry a balance, start paying less from day one.*
    *Important information about rates and fees
    Get Started
    Learn More

    Credit Card Features & Benefits

    • Savings*

    • Security & Protection

      • Zero liability protection against unauthorized purchases.1
      • Extended Warranty Protection on manufacturer's or store brand warranty.2
      • ID Theft Protection: Mastercard services will detect and help resolve ID theft events quickly.2

    • Convenience

    Learn about the individual benefits of our Cash Back Plus and Clear Value credit cards.

    Ideas & Insights

    • How to Apply for a Credit Card

      Read More

    • Credit Card Basics - Find the Credit Card That's Right for You

       

      Read More

    • How Your Credit Score Is Calculated

       

      Read More

    Read more about credit card-related topics

    Questions? Ask a Citizen?
    Questions? Ask a Citizen?

    1-888-333-5145Visit a BranchLive Chat

    What can we help you with?

    Our banking experts have you covered.

    Ask a Citizen
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    Wireless carrier, text and/or data charges may apply.

    The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

    Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries

    Samsung Pay is a trademark of Samsung Electronics Co., Ltd.

    Google Pay is a trademark of Google LLC. Google Pay works on Android devices running Android Lollipop 5.0 or above.

    Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

    Credit cards are issued by Citizens Bank, N.A.

    1 Certain restrictions apply, see https://www.mastercard.us/zeroliability for further details.

    2 Certain terms, conditions, and exclusions apply. See your Guide to Benefits for complete coverage and terms and conditions, call 1-800-Mastercard (1-800-627-8372), or go to citizensbank.com/credit-cards/cardholder/card-benefits.aspx.
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