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We make it easy to choose the credit card that is right for you

Low Rate or Preferred Points Rewards. It’s the only card you need for everything you need to do.

Standard Card Preferred Points Rewards

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Standard Card

Features

  • No annual fee.
  • Competitive ongoing APR.1
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual and summary billing options.

Benefits

  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.

Fees

  • Other fees may be charged, these fees are listed on the downloadable application.

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Business Card

Preferred Points Rewards

Features

  • Earn one reward point for each dollar spent, up to 10,000 points per month.
  • Low annual fee of $49.00 per account.
  • Competitive ongoing APR.1
  • 25-day interest-free grace period on all purchases. No grace period on cash advances. Individual billing option only.

Benefits

  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.

Fees

  • Other fees may be charged, these fees are listed on the downloadable application.
  1. Please see application for information about current APRs and fees.

News & Updates

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Phishing Scams

Beware of the Bait Phishing scams try to lure account holders into providing personal or financial information to scammers posing as a legitimate business. These scams can be conducted by email, phone calls, text messages or social media. What You Can Do Be wary of emails, text messages or phone calls that request your confidential […]

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A woman on her laptop and she is smiling and waving to the laptop camera

Citizens Bank is Here for You

At Citizens Bank, we’re committed to keeping our local community informed. That’s why we’re ramping up our service to our community to include weekly blog posts educating readers on their finances. We’ll provide posts on important topics- from your personal finances, to your business, and everything in between. We’ve been putting our customers and our […]

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Image of a mom and her daughter sitting on a sofa as the daughter is adding coins to a piggy bank.

Start Them Young- Teaching Kids to Save

A study by the University of Cambridge found that money habits in children are formed by the time they’re 7 years old. Which means teaching them the value of money as well as healthy habits around it has to start young. You still let kids be kids while instilling those healthy habits in fun and […]

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