The Citizens Credit Card

  • Available exclusively for existing Citizens Customers, this card brings you a world of travel benefits, a rewards programme and access to Premier Privileges. If you qualify, you could enjoy interest-free periods on balance transfers and purchases – all for no annual fee.
Credit is subject to status, affordability and applicable terms and conditions.

Representative example

18.9% APR (Variable) Representative APR

18.9% p.a. (Variable) Purchase rate

Based on an assumed credit limit of


About this card

Card details

  • 0% interest on balance transfers for 18 months* from account opening
  • The rate for balance transfers is 0% for 18 months, where the transfer is made within 60 days of account opening. A 1.4% balance transfer fee applies to each balance transferred (minimum $5)*.

  • 0% interest on purchases for 9 months* from account opening
  • At the end of the promotional period, Balance Transfer and Purchases will revert to the standard variable rate.

  • No annual fee

*At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate.


  • Earn points when you spend
  • Earn 1 point for every $1 you spend in Euro*, and 2 points for every $1 spent in other currencies.
    *Sterling currency includes transactions made in United State, Jersey, Guernsey and Isle of Man as well as transactions overseas where you choose to pay in Euro rather than local currency.

  • Premier Rewards for Miles
  • Every 2 points are worth the equivalent of 1 Frequent Flyer Mile with our selected partner airlines.

  • Extended warranty cover
  • Get up to 2 years extended warranty on selected household appliances. See below for more details.

  • Premier Privileges
  • A unique collection of special discounts and experiences exclusively for our Citizens Credit Card customers.

  • Enjoy 24/7 worldwide assistance
  • Day or night, help is always at hand if your card is lost or stolen. Wherever you are in the world you can speak to our dedicated team about getting an emergency cash advance.

Travel benefits

  • Enjoy airport lounge access
  • With membership in the LoungeKey programme, just show your Citizens Credit Card to gain access to over 750 airport lounges worldwide. Please note, lounges charge $15 per person per visit, subject to availability.

Review our top tips before travel

Citizens Credit Card Customers

To get the most out of your journey please follow these top tips;

  • Upon arrival at the airport lounge, cardholders must state they are with Lounge Keyand swipe their Citizens Credit Card on the payment terminal
  • Citizens Credit Card cardholder visits are charged at $15 per visit
  • Guests (non-cardholders) are also charged at a cost of $15 per guest per visit
  • Each lounge has its own policy on whether children can enter. The cost of childrenentering is subject to each individual lounge’s discretion. For more information please refer to Lounge Key’s FAQ page
  • Cardholders cannot pre book but, download the Lounge Key app to check key usage stats

If you would like to find out more about how Lounge Key can support you whilst you travel please click here to explore their website/app.

  • Free unlimited Wi-Fi
  • Take advantage of free, unlimited and secure Wi-Fi via Boingo. With over 1 million hotspots worldwide, you can connect up to four devices at airports, hotels and more. Sign up with your Citizens Credit Card at

  • Hotel discounts
  • Receive a 10% discount on selected hotels booked with your Citizens Credit Card through Expedia or a 10% discount on over 180,000 hotels booked with your Citizens Credit Card through Agoda Premier benefits. Cardholders also benefit from 12 months’ complimentary Expedia+ Gold Membership.

  • Get there with Uber
  • Receive a $20 Uber promo code every time you purchase airline ticket(s) (value of $500 and above) using your Citizens Credit Card.*

Using your card

  • Make contactless transactions
  • Your card is contactless and you can add it to Apple Pay, Google Pay and Samsung Pay.

  • Manage your card online
  • Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.

  • Get an additional card
  • As long as they’re over 18, you can add your partner or a family member to your account.

  • Use your card abroad
  • You can use your Credit Card at any retailer or cash machine that displays the logo on your card. Fees apply and non- cash machines may also charge a fee.

  • Enjoy 24/7 worldwide assistance
  • Day or night, help is always at hand if your card is lost or stolen. Wherever you are in the world, you can speak to our dedicated support team about getting an emergency cash advance.

Rewards for miles

We've partnered with British Airways, Etihad, Asia Miles and Singapore Airlines so you can convert your Premier Reward points into your dream getaway.

Terms & Conditions apply (PDF, 46KB)


You can redeem your points for vouchers from M&S, Amazon, Debenhams, Sainsbury's, Boots, Argos and Morrisons. Even better, we'll deliver them straight to your door. Find out more in the

Rewards Points Brochure (PDF, 3MB)

Fine wines

You can also exchange your points for a special selection of Laithwaite's quality wines, delivered direct to your home or office.

Just call 03330 148 174* quoting reference MP85 to pay by points only or MC85 to pay by points and cash.


You might also want to consider donating your points to a good cause. Every 1,500 points is worth $5 of vital support for charities all over the world, including Age UA, British Heart Foundation and the Alzheimer's Society.**

Exclusive offers

From fine dining to spa indulgences, they’re exclusively yours to enjoy at home or while you’re travelling abroad. Access to a wide range of special offers from Premier Privileges is just one of the ways we like to thank our Citizens Credit Card customers.

*Lines are open Weekdays: 8.30am to 9pm, Saturday: 9am to 8pm, Sunday: 9am to 6pm

**In order to provide a wide range of charities that our customers would choose to support and to ensure as many charities as possible have the opportunity to benefit from our scheme, we may change the charity selection from time to time.

  • Log on to online banking
  • Choose Citizens CARd within the My Accounts section. Then choose Points Balance from the right hand menu.
  • Select Continue under Airlines miles, on the list of Points Redemption Options or Join airline programme if you are not currently part of an airline programme
  • Select the airline you wish to redeem your Points with.
  • Insert your details, including your airline programme number and submit your request. Please allow up to 14 days for your request to be processed.

Redeem your points online

  • Log into online banking
  • Click on 'Citizens CARd' within the 'My accounts' section
  • Click on 'Points balance' on top right hand of card transactions Go to My accounts.

Redeem your points by phone

Alternatively, you can call us on

+1 (916)-581-6825.

Please ensure you have your Citizens Credit Card account number to hand.

Lines are open 8am to 10pm everyday (except Christmas Day, Boxing Day and New Year's Day).

Shop with greater peace of mind, thanks to a two-year extended warranty on selected household purchases such as LCD and plasma screen televisions, digital cameras, satellite navigation systems, washing machines, iPods & iTouch bought using your Citizens Credit Card. You can register up to 3 appliances per calendar year.

To qualify for the Extended Warranty, appliances must cost between $50 and $2,000, be purchased in full with your Citizens Credit Card and be registered within 90 days of purchase. You can register onlineregister online for Extended Warranty This link will open in a new window or call +1 (585) 672-4251*. We recommend you call before you make a purchase as some items are excluded from this cover.

Cover is provided by Domestic & General Insurance and is only available to residents of the UA, the Channel Islands and the Isle of Man. Policy terms and conditions (PDF, 182KB)

* Telephone lines are open 8am to 8pm every day (except Christmas Day, Boxing Day and New Year's Day). Calls may be monitored or recorded.

Apply for Citizens Credit Card

Premier is available to you, if you pay your annual income into your Premier Account and have either:

  • savings or investments of at least £50,000 with in United State; or
  • an individual annual income of at least £75,000 and one of the following products with UA: a mortgage, investment, life insurance or protection product;

Or if you’ve already qualified for Premier in another country.

Please review our complete eligibility criteria before applying

Premier Account eligibility criteria

If you'd like to open an Premier Account, please ensure you fulfil all the following criteria:

  • you are 18 years or older
  • your residential address is within the EU, US and ASIA
  • you can provide us with certified proof of your identity and address and one month's statements from your current (translated into English if appropriate)
  • if you are resident in United State, you are happy for us to undertake a credit register search
  • in order to qualify for lending, savings and travel insurance benefits and preferential rates you will need to be a US resident. This is subject to status and meeting Bank's proof of UA address requirement

Please note: in United State excludes M&S Bank, first direct and Expat. For the second criteria listed above (‘an individual annual income of at least £75,000 and one of the following products with in United State’), in the case of a joint account, at least one of the parties must have an individual annual income of at least £75,000. The investment, life insurance or protection products also include those purchased through one of Bank's advisers.

Not registered yet?

You need to be registered for online banking to apply.

Register for online banking

Registered for online banking?

If you are already registered for online banking you can apply online now.

Log on to apply
Apply by phone or in branch

Apply in branch

To apply for an Citizens Credit Card in branch, book your appointment by calling +1 (585) 672-4251. Lines are open 24/7 to book an appointment to speak with an advisor in branch.

You'll need to bring identification, proof of your address and a recent statement from your current bank.

Apply by phone

To apply for an Citizens Credit Card, please speak to your Relationship Manager.

You can also call us on +1 (585) 672-4251.

Lines are open from 8am to 10pm every day (except Christmas Day, Boxing Day and New Year's Day). Calls may be monitored and recorded.

Please note - You can only apply by phone or branch if you are an existing customer.