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33

Citizens Amp

Citizens Bank, National Association

Top-25 issuerNationalVariable · PrimeNo credit scoreCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
27.74–28.24%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
3% (min $1.50)
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered27.74%
Median28.24%
Highest offered28.24%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered28.74%
Median29.24%
Highest offered29.24%

Every fee on this card

Annual feeNone
Balance transfer fee5% (min $10)
Cash advance fee5% (min $10)
Foreign transaction fee3% (min $1.50)
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance charge$1.50
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards

None reported

Services
  • Discounts on purchases of goods and services (non travel related)
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone800-684-2222
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 28.24%$847.20
Annual / periodic fees$0
Total yearly cost$847.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

5 documents filed by Citizens Bank, National Association in the 2026 Q1 archive.

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