Citizens Bank is refreshing its credit card portfolio with five new personal credit cards, ranging from a credit builder option to a premium travel card. The new cards will effectively replace Citizens Bank’s older suite of cards, which are no longer open to applicants starting June 12, 2025.
These cards will likely appeal most to current Citizens Bank members. For example, the annual fee on the travel card can be reduced or completely waived depending on how much money you keep with the bank. And indeed, one of the cards is available only to the issuer's Private Bank members. For everyone else, though, the new Citizens Bank credit cards probably won’t be the first option, as branches are located in just 14 states and D.C. (as of this writing).
Here are key details of the new credit cards.
For building credit: Citizens Amp Mastercard
- No annual fee.
- No penalty APR.
- No minimum credit score requirement.
- No security deposit requirement.
- Opportunity for credit line increases and product upgrades after six months.
For paying down debt: Citizens Spring World Mastercard
- No annual fee.
- No penalty APR.
- 0% intro APR period for balance transfers for the first 18 billing cycles. (After that, a variable APR applies.) Balance transfer fee of either $10 or 5% of the transfer amount, whichever is greater.
For rewards on food: Citizens Summit World Mastercard
- No annual fee.
- No penalty APR.
- Unlimited 3% cash back on dining and groceries, and unlimited 1.5% cash back on all other purchases.
- 0% intro APR period on balance transfers for the first 12 billing cycles. (After that, a variable APR applies.) Balance transfer fee of either $10 or 5% of the transfer amount, whichever is greater.
- Cash-back rewards don’t expire as long as your credit card account is in good standing and an eligible purchase is made every 12 months.
- Rewards may be redeemed for a statement credit.
For luxury travel: Citizens Summit Reserve World Elite Mastercard
- $295 annual fee.
- The fee is $0 for customers with a Private Bank or Private Client checking account relationship. Private Client checking requires a $200,000 monthly combined balance across deposit and investment accounts with Citizens Bank. Private Bank members must have a net worth of $10 million or more, or more than $5 million in liquid assets.
- The fee is $95 for customers with a Citizens Quest checking account.
- No penalty APR.
- No foreign transaction fee.
- Unlimited 3% cash back on dining, groceries and entertainment including streaming, ticketed events, museums and sports venues.
- Unlimited 1.5% cash back on all other purchases.
- Rewards may be redeemed for a statement credit.
- Cash-back rewards don’t expire as long as your credit card account is in good standing, and an eligible purchase is made every 12 months.
- Various credits for Lyft, Peacock Premium, ResortPass and more.
- Up to $120 Global Entry/TSA PreCheck application credit every four years.
- Priority Pass Digital Lounge membership, four free visits per year.
For Private Bank clients: Citizens Summit Reserve for Citizens Private Bank
- Must be a Private Bank member to qualify.