The Citizens Bank Credit Cards is a personal credit card from Citizens Bank Credit Cards. Application typically pulls a hard report from Experian. The annual fee is $295. The ongoing APR is Variable (creditworthiness-based) after a 0% on balance transfers introductory rate for 12 months. Approval typically requires a credit score of 650-700 or higher. Rewards: Depending on the card: cash back, points, travel rewards, etc.. Cash back: 3% on dining and groceries; 1.5% on all other purchases. This product reports activity to your personal credit report. [SOFT PULL ONLY] | Foreign Txn Fee: Depends on the card. Pre-qualification available (soft pull) | EXPERT REFERENCE (Dec 2025): Credit bureau: Experian | EXPERT REFERENCE (Dec 2025): Approval flow: Pre-qualification tool using a soft pull | EXPERT REFERENCE (Dec 2025): Availability: Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, Washington, DC | EXPERT REFERENCE (Jul 2025): Soft pull through Experian for Citizens Bank credit cards. | EXPERT REFERENCE (Jul 2025): $6,000 Summit Mastercard approved with no hard inquiry. | EXPERT REFERENCE (Jul 2025): $35,000 Summit Reserve approved with no hard inquiry. | EXPERT REFERENCE (Jul 2025): Prequalified limit closely matches approved limit. | EXPERT REFERENCE (Jul 2025): Card Approved: Citizens Summit World Mastercard | EXPERT REFERENCE (Jul 2025): Starting Limit: $6,000 | EXPERT REFERENCE (Jul 2025): Annual Fee: $0 | EXPERT REFERENCE (Jul 2025): Credit Score: 789 (Experian) | EXPERT REFERENCE (Jul 2025): Bureau Pulled: Experian only — soft pull confirmed | EXPERT REFERENCE (Jul 2025): Other Bureaus: TransUnion & Equifax were frozen | EXPERT REFERENCE (Jul 2025): Inquiries on File: 2 | EXPERT REFERENCE (Jul 2025): Approval Time: Less than 5 minutes | EXPERT REFERENCE (Jul 2025): Prequal Limit & Approved Limit Match: Yes — no bait & switch | EXPERT REFERENCE (Jul 2025): $7,500 credit card approval without a hard pull. | EXPERT REFERENCE (Jul 2025): Soft pull pre-qualification available, no impact on credit score. | EXPERT REFERENCE (Jul 2025): New credit card lineup launched by Citizens Bank. | EXPERT REFERENCE (Mar 2026): Credit bureau: Experian | EXPERT REFERENCE (Mar 2026): Approval flow: Pre-qualification tool using a soft pull | EXPERT REFERENCE (Mar 2026): Availability: Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, Washington, DC