The Citizens Bank, N.A. is a personal credit card from Citizens Bank, N.A.. Application typically pulls a hard report from Equifax. The annual fee is $0. The ongoing APR is Variable APR approximately 18.24% to 28.24% after a 0% introductory rate for 12 months. Approval typically requires a credit score of 650-700 or higher. Rewards: Unlimited 3% cash back on dining and groceries; unlimited 1.5% cash back on all other purchases. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Great for leveraging a 0% APR window while earning solid cash-back rewards on everyday spending. Capital One Quicksilver Cash Rewards. BT Fee: $10 or 5% of the transfer amount, whichever is greater. Post-intro APR: Variable APR approximately 18.24% to 28.24%