To qualify for a credit card from Citizens Bank, customers should have excellent credit, and those who want to receive the maximum rate should also live near a Citizen's Bank, notes CreditCards.com. Customers can apply for the credit card by completing an online application on the Citizen's Bank website. Qualified applicants receive credit approval and an annual percentage rate based on their application information and credit history.
As of 2016, customers have two credit card options with Citizens Bank. The Citizens Bank Clear Value MasterCard has no annual fee and a variable purchase APR, states Citizens Bank. The Citizens Bank Cash Back Plus World MasterCard includes these benefits plus cash back rewards and bonuses on purchases made with the card. Customers who live outside the Mid-Atlantic region or the East Coast should consider alternative cards, recommends CreditCard.com.
All credit card companies typically require that customers be 18 years or older and have a reliable source of income before applying for a card. Those who are more than 20 years old can count their household's income if they have reasonable access to it, states K&L Gates’ Consumer Financial Services group. Banks also consider the amount of outstanding debt on an application, notes About.com. Customers should attempt to keep their debt below 30 percent when applying for a credit card.