Best Citizens Bank Credit Cards (2026)
Compare all Citizens Bank credit cards and find the best fit for your spending.
Top Pick
Citizens Summit Reserve World Elite Mastercard
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What is the best Citizens Bank credit card?
The Citizens Summit Reserve World Elite Mastercard is currently the top-rated Citizens Bank card, offering a $295/yr annual fee and a strong welcome offer for new cardholders.
Does Citizens Bank have a credit card with no annual fee?
Yes — the Citizens Summit World Mastercard has no annual fee and earns 1.5x base rewards on purchases.
What credit score do you need for a Citizens Bank card?
Most Citizens Bank credit cards require good to excellent credit (typically 670+). Premium travel cards like the Citizens Summit Reserve World Elite Mastercard generally require a score of 720 or higher for the best approval odds.
What rewards do Citizens Bank credit cards earn?
Citizens Bank credit cards earn points, miles, or cash back depending on the card. Category cards earn accelerated rates in your top spending areas, while flat-rate cards keep things simple.
Are Citizens Bank credit card points worth it?
Citizens Bank points and miles offer strong value, especially when redeemed for travel. Pairing multiple Citizens Bank cards can maximize your earning across categories.
How do I apply for a Citizens Bank credit card?
You can apply directly through https://www.citizensbank.com or by clicking the "Apply Now" buttons above. Most applications receive an instant decision online.
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