Citizens Credit Cards Accept a Range of Scores and Offer Insurance

Citizens credit cards are known for their flexibility when it comes to credit scores. They accept a range of scores, making them a viable option for those with less-than-perfect credit.

One of the standout features of Citizens credit cards is the insurance they offer. This can provide valuable protection for cardholders in case of unexpected events or losses.

Some Citizens credit cards even offer additional benefits, such as travel insurance and purchase protection.

Citizens credit cards offer a range of features that make them a great option for many users. With a Citizens credit card, you can enjoy rewards programs that give you points or cashback on your purchases.

You can earn rewards points with Citizens credit cards, which can be redeemed for gift cards, travel, or other rewards. The rewards programs are designed to be flexible and allow you to choose how you want to redeem your points.

Rewards are a key aspect of credit cards, and Citizens Bank's Cash Back Plus Card delivers. You can earn 1.8% cash back on your everyday eligible purchases.

This means you'll get a decent return on your regular spending, without having to think too much about it. No limit to the amount of cash back you can earn, so you can keep raking it in as long as you keep using the card.

Having a Citizens Quest Checking account takes it to the next level, earning you 1.9% cash back on your everyday eligible purchases.

Using a chip-and-PIN card provides an extra layer of security for your transactions. This is because a PIN is required for chip-and-PIN cards, making it more difficult for unauthorized users to access your account.

If you plan on traveling abroad, you might need a PIN for your chip-and-PIN card, as it's often required for international transactions.

A PIN will be required for cash advances at an ATM, so make sure you have your card and PIN handy.

Citizens credit cards are designed to be easy to manage, with online account access available 24/7. This allows users to track their spending, make payments, and check their credit score at any time.

You can also set up automatic payments to ensure you never miss a payment, and even receive a 25-day interest-free period on purchases. This can be a huge relief for those who tend to carry a balance.

To stay on top of your credit card balance, it's essential to regularly review your statement and pay more than the minimum payment whenever possible, which can save you money in interest over time.

Accepted scores are determined by the evaluation committee. The committee reviews each application and assigns a score based on the applicant's qualifications and experience. A score of 85 or higher is considered acceptable. This threshold is set to ensure that only the most qualified candidates are considered for the program.

To check your application status, you can call customer service at (888) 333-5145. This is the case for Citizens Bank Cash Back Plus Card applications.

Providing the last 4 digits of your SSN will help match you to your application, and the process should only take a few minutes.

You can't check your application status online with Citizens Bank.

If you need to send a payment to your Citizens Bank Cash Back Plus Card, you'll want to know the correct payment address. The Citizens Bank Cash Back Plus Card payment address is P.O. Box 42010 in Providence, RI 02940-2010.

You can send a check or money order for the payment amount to this address. Just be sure to include your credit card number on the payment to avoid any processing delays.

To make sure your payment is processed correctly, it's a good idea to send only one check or money order per billing statement.

The Citizens Bank Cash Back Plus Card offers some great benefits and insurance features that can help protect you on the road. You can get up to the actual cash value of the vehicle in the event of collision or theft with the rental car insurance.

To be eligible for travel insurance, you'll need to pay for your travel using your Citizens Bank Cash Back Plus Card. This covers lost or delayed luggage, accidents resulting in injury or death, trip cancellation or interruption, and damage from collision or theft for car rentals.

The Citizens Bank Cash Back Plus Card rental car insurance covers you up to the cash value of the vehicle, but you must decline the rental agency's insurance and pay for the rental entirely with your Citizens Bank Cash Back Plus Card.

Here are the types of travel insurance covered by the Citizens Bank Cash Back Plus Card:

Travel insurance can be a lifesaver when things don't go as planned on your trip. To be eligible to file a travel insurance claim with the Citizens Bank Cash Back Plus Card, you'll need to pay for your travel using the card.

This card covers a range of travel-related issues, including lost or delayed luggage, accidents resulting in injury or death, and damage from collision or theft for car rentals. If your trip is cancelled or interrupted due to unforeseen circumstances, the card's insurance can help cover the costs.

The Citizens Bank Cash Back Plus Card offers several types of travel insurance benefits, including trip cancellation or interruption insurance. This benefit covers your trip for unforeseen cancellations or interruptions that cut your trip short.

Here are some of the key types of travel insurance offered by the Citizens Bank Cash Back Plus Card:

Rental car insurance is a must-have when renting a car, especially if you're not sure what's covered by the rental agency's policy.

The Citizens Bank Cash Back Plus Card rental car insurance covers you up to the actual cash value of the vehicle in the event of collision or theft.

To get this coverage, you must decline the rental agency's insurance and pay for the rental entirely with your Citizens Bank Cash Back Plus Card.

The coverage amount is up to the cash value of the vehicle.

Citizens Bank Cash Back Plus Card is a great option for those who want to avoid membership fees. There are no fees to worry about with this card.

The card offers a 0% intro APR on balance transfers, which can be a huge relief for those looking to consolidate debt. This feature can save you a significant amount of money in interest payments.

A high rewards rate is another advantage of this card, allowing you to earn more rewards on your purchases.

However, the lack of an intro APR on purchases means you'll be charged interest immediately, which can add up quickly. This is a significant con to consider.

A balance transfer fee is also a drawback, as it can eat into your savings.

Managing your citizens credit card is crucial to maintaining a healthy financial life.

You can use card management tools to track your expenses, stay on top of payments, and even earn rewards.

These tools often integrate with your bank or credit card account, allowing you to view your balance, payment due dates, and transaction history in one place.

Some popular card management tools include Mint, Personal Capital, and Credit Karma, which offer features like budgeting, investment tracking, and credit score monitoring.

These tools can help you identify areas where you can cut back on unnecessary spending and make more informed financial decisions.

By using card management tools, you can take control of your finances and make the most of your citizens credit card benefits.

Regularly reviewing your card statements and transactions can also help you catch any errors or suspicious activity.

It's a good idea to set up alerts and notifications for large or unusual transactions to stay on top of your account activity.

The Citizens Bank Cash Back Plus Card has a WalletHub rating of 3.8, which is based on its ability to earn rewards. This card has been scored using WalletHub's proprietary credit card rating system.

The card offers 1.8% cash back on all purchases, which is a decent rate. However, it's worth noting that there are other cards that offer higher cash back rates.

The Citizens Bank Cash Back Plus Card has a regular APR of 18.24% - 28.24% (V), which is relatively high. It's essential to pay off your balance in full each month to avoid interest charges.

Here's a comparison of the Citizens Bank Cash Back Plus Card with two popular alternatives:

The Blue Cash Preferred Card from American Express has a higher WalletHub rating and a more generous rewards rate, but it also has an annual fee of $95 after the first year. The Capital One Savor Cash Rewards Credit Card has a high rewards rate, but it also has a higher regular APR.

If you're looking for a card with no annual fee, the Citizens Bank Cash Back Plus Card may be a good option. However, it's essential to weigh the pros and cons of each card and choose the one that best fits your needs.

When managing your Citizens credit card, it's essential to understand how balance and fees work.

The Citizens Bank Cash Back Plus Card offers a 0% intro APR for 12 months, followed by a variable APR of 18.24% - 28.24%.

Balance transfers on this card come with a fee of 5% of the transferred amount, with a minimum fee of $10.