CFPB TCCP survey · December 31, 2025
Citizens Bank, National Association credit card rates & fees
Citizens Bank, National Association reported 5 credit card plans to the CFPB. Their median purchase APR is 23.49%, close to the 23.49% median across all surveyed cards. The lowest starting APR is on the Citizens Spring (15.74%). 3 of 5 plans have no annual fee.
Plans
| Card | Purchase APR | By credit tier (great / good / poor) | Cash APR | Annual fee | Late fee | Foreign fee | Grace |
|---|---|---|---|---|---|---|---|
| Citizens Spring | 15.74% – 26.24% | 16.2% / 21.2% / – | 29.24% | $0 | $29 | 3.0% | 25 d |
| Citizens SummitCashback rewards | 17.74% – 27.99% | 18.2% / 25.2% / – | 29.24% | $0 | $29 | 3.0% | 25 d |
| Citizens Summit ReserveCashback rewards | 19.74% – 29.24% | 20.2% / 27.2% / – | — | $295 | $29 | 0.0% | 25 d |
| Citizens Summit Reserve Private BankCashback rewards | 19.74% – 29.24% | 20.2% / 27.2% / – | 29.24% | $295 | $29 | 0.0% | 25 d |
| Citizens Amp | 27.74% – 28.24% | – / – / – | 29.24% | $0 | $29 | 3.0% | 25 d |
APRs are what the issuer reported for the survey period; your offer depends on your credit. Check the issuer's current terms before applying. "Credit tier" columns are the median APR the issuer reported for consumers with credit scores of 720+, 620–719 and 619 or below.