Bank · FDIC insured
Citizens Bank Credit Card Rates
Citizens Bank doesn’t publish an ongoing APR for its credit cards, only introductory rates. Rates checked October 22, 2026.
How Citizens Bank’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Citizens Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Citizens Bank
– –
No ongoing APR published
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Citizens Spring World Mastercard
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 18 months | 0.00% | None | 0% intro APR on balance transfers for the first 18 billing cycles; variable APR thereafter based on creditworthiness. |
No ongoing APR is published for this card, only the rate above.
Sources (3)
- citizensbank.com/credit-cards/…der/card-agreements.aspx
- citizensbank.com/credit-cards/overview.aspx
- citizensbank.com/credit-cards/spring.aspx
All captured Oct 22, 2026
Citizens Summit World Mastercard
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% intro APR on balance transfers for the first 12 billing cycles; variable APR thereafter based on creditworthiness. |
No ongoing APR is published for this card, only the rate above.
Sources (3)
- citizensbank.com/credit-cards/…der/card-agreements.aspx
- citizensbank.com/credit-cards/overview.aspx
- citizensbank.com/credit-cards/summit.aspx
All captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.