Personal Card

Low Rate

Features

  • No annual fee.
  • Low introductory rate for the first six months.1
  • Competitive ongoing APR.1
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

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.
  • Unlike some card offers, the APR1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

Apply Today

Personal Card

World / Preferred Points Rewards

Features

  • Earn points that you can redeem for rewards.  Earn one point for each dollar spent, up to 10,000 points per month.
  • Low introductory rate for first six months.1
  • Competitive ongoing APR.1
  • No annual fee.
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

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.
  • Unlike some card offers, the APR1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

Apply Today

How to Apply for a Personal Credit Card

Applying is as Easy as 1-2-3

  1. First, download our Credit Card Application
  2. Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
  3. Fax your completed application to the Card Service Center at 877-809-9162 or mail your completed application to:
    Card Service Center
    PO Box 569120
    Dallas, TX 75356-9120


Extraordinary benefits with MasterCard® including:

  • Rental Car Insurance
  • Airport Concierge
  • ID Theft Protection
  • Global Services
  • Cell Phone Coverage 2
  • Travel & Lifestyle Services 2
  • Online shopping/delivery discounts 2

Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.

Download the Application

  1. Please see application for information about current APRs and fees.
  2. Mastercard World cardholders only.
  • Disputes
  • How to dispute debit card transactions
  • With a Roth IRA, you typically pay taxes on the money before you contribute to your IRA. This means you generally can make qualifying withdraws once you reach 59 1/2 years of age without paying additional taxes on the distributions.
  • A traditional IRA allows you to direct pre-tax income toward investments that can grow tax-deferred until your retirement. You cannot contribute after age 70 ½ and distribution is required at that age.

Featured Resources

News & Updates

Save for Your Health: What is an HSA?
HSA stands for Health Savings Account and is a savings account you can use to pay medical expenses with tax benefits. HSA's are more popular than ever.... More
Why You Still Need a Checking Account
With the explosion of digital wallet apps like Venmo, it can be tempting to wonder if old-school payment methods like paper checks are even relevant. If you... More
Does Your Side Hustle Need an LLC?
When does a side business become a “business,” and how do you need to structure it? More and more people are turning interests and hobbies... More
View All Resources

You are about to leave the official website for Citizens Bank. Click Continue to proceed or click the “x” above to close this and remain on our website.

Continue

Meet  

NMLS: