Purchase APR
27.74–28.24%
Annual fee
None
Foreign fee
3% (min $1.50)
Top-25 issuerNo score620–719
Carrying $3k for a year ≈ $847.20
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59
Citizens Spring
Citizens Bank, National Association
Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
15.74–26.24%
Annual fee
None
0% intro
None
0% transfer
18 mo
Foreign fee
3% (min $1.50)
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
—
620–719
21.24%
720+
16.24%
Lowest offered15.74%
Median18.49%
Highest offered26.24%
Balance transfer APR
Promotional window: 18 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
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 calculator
Stay put — 18 mo at 24%$900
Transfer fee (5%)$250
Promo interest at 0.00%$0
You save$650
Assumes you pay the balance down evenly across the 18-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 18.49% afterwards.
Cost to carry a balance
Interest for a year at 18.49%$554.70
Annual / periodic fees$0
Total yearly cost$554.70
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.
More from this issuer
Purchase APR
17.74–27.99%
Annual fee
None
Foreign fee
3% (min $1.50)
0% transfers · 12 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $614.70
Purchase APR
19.74–29.24%
Annual fee
$295
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $999.70 incl. $295 fee
Purchase APR
19.74–29.24%
Annual fee
$295
Foreign fee
None
Top-25 issuerNo score620–719Cashback
Carrying $3k for a year ≈ $999.70 incl. $295 fee