Detected in the CFPB-filed cardholder agreements from Citizens Bank, National Association. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…your Account are subject to this Agreement, unless explained otherwise. We will refer to this document as your Agreement. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION INCLUDING A NOTICE REGARDING THE RIGHT TO OPT OUT. ACCEPTANCE OF YOUR AGREEMENT Your use of the Account or any payment on the Account indicates your…”
You waive your right to have a dispute heard by a jury.
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“…FEDERAL COURT OF LAW, AND THE PARTIES HEREBY SUBMIT TO THE JURISDICTION OF SUCH A COURT FOR SUCH PURPOSE. TRIAL WAIVER YOU AGREE THAT YOU AND WE ARE WAIVING THE RIGHT TO A JURY TRIAL AND TRIAL BEFORE A JUDGE IN A PUBLIC COURT upon demand by either party for arbitration. However, you and we retain the right to pursue in small…”
Slip up and your rate can jump to a much higher penalty APR.
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“…suspend or terminate credit privileges if you are in default. We may, to the extent permitted by law, demand immediate payment of the total balance. PENALTY APR RATE FOR NEW TRANSACTIONS We may apply the penalty APR rate to new transactions if you: Do not pay at least the minimum payment due by the payment du…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…d 11 12/7/21 7: READ THIS SECTION CAREFULLY AS IT WILL HAVE A SUBSTANTIAL IMPACT ON HOW LEGAL DISPUTES BETWEEN YOU AND US ARE RESOLVED. If you do not opt out, for a dispute subject to arbitration, there is a waiver of rights as discussed below. Arbitration procedures are simpler and more limited than rules applicable in court. The decision…”
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.