The Citizens Bank is a personal credit card from Citizens Bank. The annual fee is $35 Annual Fee. The ongoing APR is Annual Percentage Rate (APR) based on Wall Street Prime Rate after a 0% intro Annual Percentage Rate (APR) for the first 7 billing cycles after account opening introductory rate. Rewards: Earn 1% cash back on every dollar you spend and enjoy no cap on cash back; No spending tiers or minimums.