Citizens Bank Accelerator Rewards Platinum

Citizens Bank Accelerator Rewards Platinum

Citizens Bank Accelerator Rewards Platinum

Citizens Bank Accelerator Rewards Platinum

Citizens Bank Accelerator Rewards Platinum

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Card details

  • Earn 1% on purchases

  • 10% back at gas stations first 90 days

  • 2% after that

  • 1% on all other

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.00%

  • Bonus offer

    None

  • Intro APR

    Purchase: None

    Transfer: 0% for 12 mos

  • Ongoing APR

    Min APR: 15.74%, Variable

    Max APR: 20.74%, Variable

    Penalty APR: Up to 30.74%, Variable

    Cash Advance APR: 23.24%, Variable

  • Balance transfer fee

    3%

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

Citizens Bank Accelerator Rewards Platinum Credit Card

Citizens Bank Accelerator Rewards Platinum

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$0

Annual fee

$99

Annual fee

$199

Regular APR

15.74% - 20.74% Variable

Regular APR

18.24%, 22.24% or 27.24%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

Purchase: None

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Tim Chen

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

3.5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period on Balance Transfers

Cons
  • Needs excellent credit

Verdict - It's great that Citizens offers 3% back on gas, but there are better deals out there to consider.

Rewards cards have come a long way - this would have been a great rewards card a few years ago, with 3% back on gas, 1% back on everything else, and no annual fee. But now it ranks in the middle of the pack in terms of our gas credit cards comparison page.

There are two main issues driving these mediocre rankings. First, the card doesn't have bonus categories outside of gasoline, like the American Express Blue Cash and Costco American Express credit card.

Second, if you pump gas at Costco because of their reasonable prices, you earn 3% back with the Costco American Express. However, they only accept American Express, which excludes the Citizens Bank Accelerator Rewards Platinum from consideration.