Credit Cards

The Right Credit Card For You

Whether you want to save money with a low interest rate, pay down balances or earn fantastic rewards, we have the perfect card for you!

Choose From:

No matter which card you select, you’ll enjoy these great features that come with every card:

  • Low interest rates that save you money
  • No annual fees*
  • No balance transfer fees*
  • No transaction fees*
  • No cash advance fees*
  • No over-credit limit fees*
  • 25 day grace period
  • CardValet® App to control your card
  • Contactless cards – simply tap your card on a contactless-enabled card reader
  • Free online access through Online Banking
  • Available Debt Protection coverage
  • Accepted at millions of locations and online
  • Security & protection by the latest technology

Platinum Rewards VISA® Credit Card

  • Variable interest rates as low as at 8.75% APR*
  • 2.99% APR* introductory rate on balance transfers for 12 months from opening. After that, your APR will be 8.75 % – 18.75%, based on your credit worthiness.
  • No balance transfer fees*
  • No annual fees*
  • Earn 2 Reward Points for every $1 spent
  • Redeem your points for cash back, travel, name-brand merchandise and more with uChoose Rewards®

*Click here to see rate and fee information.

How To Earn & Redeem Points

Simply use your card anywhere and earn 2 points for every dollar you spend. It’s that easy! Once you set up your uChoose Rewards® account through Online Banking, you can start using the points you’ve earned with your Citizens Platinum Rewards VISA® Credit Card.

uChoose Rewards is a registered trademark of Fiserv, Inc. 


Classic VISA® Credit Card

  • Variable interest rates as low as 6.75% APR*
  • 2.99% APR* introductory rate on balance transfers for 12 months from opening. After that, your APR will be 6.75 % – 16.75%, based on your credit worthiness.
  • No balance transfer fees*
  • No annual fees*
  • Features some of our lowest credit card rates

*Click here to see rate and fee information.


Secured VISA® Credit Card

  • Variable interest rates as low as 13.75% APR*
  • No annual fees*
  • Secured with your Citizens savings account
  • Perfect for members with limited or no credit history

*Click here to see rate and fee information.


CardValet® App

Download the CardValet® App and have complete control of your Citizens VISA® Credit Card. Set travel notices, shut off your card, set alerts and controls, view recent transactions and more.

 

Important Phone Numbers

Report Lost/Stolen VISA® Credit Card: (888) 999-2893

 

Apply Today & Charge Ahead With More Advantages

Apply online now or stop in any of our convenient branch locations and take advantage of all the credit card features you would ever want in a card!

 

*APR is Annual Percentage Rate. Click here to see rate and fee information for Citizens VISA® Credit Cards. Variable rate subject to change after account opening. All loans subject to credit approval.