topic Re: Citizens Bank Cash Back Plus Card in Credit Cards

Citizens Bank Cash Back Plus Card

Anonymous — Wed, 30 Oct 2019 01:07:20 GMT

Citizens bank is offering a 1.8% unlimited cash back Mastercard, with 5% unlimited cash back on everything through March 31st. You must apply at a branch for this offer though, so you must reside in the mid-Atlantic or New England region or be willing to travel or will be in the region on travel.

Your cash back is credited to your account the same day of the transaction. For the 3.2% bonus, it is credited in May 2020. Not a bad deal.

Their online version of the card offers a 0% for 15 months. Not sure if it's just a BT or BT and purchases. But I didn't see such an offer for the branch version.

Not a bad card for those who PIF and might not care about BT.

I'm not applying as I don't need another card at this point and my DC is 2%.

Re: Citizens Bank Cash Back Plus Card

CreditCuriosity — Wed, 30 Oct 2019 01:58:22 GMT

My EQ can't handle another HP, thus i will look another way. Their HQ is based out of where I live (well at least alot if not most corporate jobs are, not sure if true headquarters), but no branches.. So weird!

Forst most their CL's are kinda meh, but if ok with a 7k-10k CL then cool. Card maxes out at 25k as well

Re: Citizens Bank Cash Back Plus Card

coldfusion — Wed, 30 Oct 2019 02:06:36 GMT

@CreditCuriosity wrote:
My EQ can't handle another HP, thus i will look another way. Their HQ is based out of where I live (well at least alot if not most corporate jobs are, not sure if true headquarters), but no branches.. So weird!

Forst most their CL's are kinda meh, but if ok with a 7k-10k CL then cool. Card maxes out at 25k as well

Their true corporate headquarters are near where I work in the Providence RI financial district.

But yeah they aren't particularly generous with their SLs and you have to wait at least 9 months to be considered for a CLI.

The UI on their online banking site is in pretty serious need of an overhaul.

Re: Citizens Bank Cash Back Plus Card

Anonymous — Wed, 30 Oct 2019 02:15:39 GMT

Ugh, was considering this card before. The 5% unlimited is very tempting with (about to drop 5k+ on stuff)...but I just started getting set on the NFCU 2% card...
Kinda would prefer a MC over Visa, since not many good MCs out there & plenty of good Visa cards...but would like to start building a good relationship with NFCU in preparation for an ultra low mortgage rate...

Thanks for pointing this offer out, Rsmy1234, and playing with my heart!
Where's the opposite-kudos button for moments like this?

Re: Citizens Bank Cash Back Plus Card

Anonymous — Wed, 30 Oct 2019 02:16:28 GMT

@coldfusion wrote:
@CreditCuriosity wrote:
My EQ can't handle another HP, thus i will look another way. Their HQ is based out of where I live (well at least alot if not most corporate jobs are, not sure if true headquarters), but no branches.. So weird!

Forst most their CL's are kinda meh, but if ok with a 7k-10k CL then cool. Card maxes out at 25k as well
Their true corporate headquarters are near where I work in the Providence RI financial district.

But yeah they aren't particularly generous with their SLs and you have to wait at least 9 months to be considered for a CLI.
The UI on their online banking site is in pretty serious need of an overhaul.

Yeah, they're big enough to dominate a region but small enough to have an outdated website and conservative practices.

If I were in the market and got it, I could work with a smaller limit. My Propel is only 12K and I don't carry balances unless it's at 0%.

Re: Citizens Bank Cash Back Plus Card

CreditCuriosity — Wed, 30 Oct 2019 02:31:25 GMT

@coldfusion wrote:
@CreditCuriosity wrote:
My EQ can't handle another HP, thus i will look another way. Their HQ is based out of where I live (well at least alot if not most corporate jobs are, not sure if true headquarters), but no branches.. So weird!

Forst most their CL's are kinda meh, but if ok with a 7k-10k CL then cool. Card maxes out at 25k as well
Their true corporate headquarters are near where I work in the Providence RI financial district.

But yeah they aren't particularly generous with their SLs and you have to wait at least 9 months to be considered for a CLI.
The UI on their online banking site is in pretty serious need of an overhaul.

Interesting as their IT appears to be in brentwood, TN or at least some of it as just got a call about a job from them a few days back lol.

From what I read their UW isn't really conservative as seen some questionable scores with very high inquiries and accounts get approved.. Just the limits are kinda meh.

Re: Citizens Bank Cash Back Plus Card

Anonymous — Wed, 30 Oct 2019 02:34:19 GMT

@CreditCuriosity wrote:
@coldfusion wrote:
@CreditCuriosity wrote:
My EQ can't handle another HP, thus i will look another way. Their HQ is based out of where I live (well at least alot if not most corporate jobs are, not sure if true headquarters), but no branches.. So weird!

Forst most their CL's are kinda meh, but if ok with a 7k-10k CL then cool. Card maxes out at 25k as well
Their true corporate headquarters are near where I work in the Providence RI financial district.

But yeah they aren't particularly generous with their SLs and you have to wait at least 9 months to be considered for a CLI.
The UI on their online banking site is in pretty serious need of an overhaul.
Interesting as their IT appears to be in brentwood, TN or at least some of it as just got a call about a job from them a few days back lol.

It could be spread out in multiple locations. For a sizable company, IT usually is spread out. Might be cheaper to have some of it in TN, otherwise if all of IT was in New England, it might be a 1.5% card lol.

Re: Citizens Bank Cash Back Plus Card

CreditCuriosity — Wed, 30 Oct 2019 02:42:03 GMT

@Anonymous wrote:
@CreditCuriosity wrote:
@coldfusion wrote:
@CreditCuriosity wrote:
My EQ can't handle another HP, thus i will look another way. Their HQ is based out of where I live (well at least alot if not most corporate jobs are, not sure if true headquarters), but no branches.. So weird!

Forst most their CL's are kinda meh, but if ok with a 7k-10k CL then cool. Card maxes out at 25k as well
Their true corporate headquarters are near where I work in the Providence RI financial district.

But yeah they aren't particularly generous with their SLs and you have to wait at least 9 months to be considered for a CLI.
The UI on their online banking site is in pretty serious need of an overhaul.
Interesting as their IT appears to be in brentwood, TN or at least some of it as just got a call about a job from them a few days back lol.
It could be spread out in multiple locations. For a sizable company, IT usually is spread out. Might be cheaper to have some of it in TN, otherwise if all of IT was in New England, it might be a 1.5% card lol.

Could be, but Nashville isn't cheap on IT by any means or a cheap place to live either. I remember UBS moved here to try to save money on salaries from Manatthan and they were suprised when the savings they thought they would save weren't there and they would have to pony up alot more salary than they thought for people. We have a huge shortage of IT people down here and amazon coming in with mid point of 150k and can go much higher and other companies got to match, etc.. well you get the point. Anyways getting off subject.

Be a more popular card probably if not so cheap. Suspect why it hasnt got much traction on this forum.

Re: Citizens Bank Cash Back Plus Card

Anonymous — Wed, 30 Oct 2019 02:48:58 GMT

@CreditCuriosity wrote:
@Anonymous wrote:
@CreditCuriosity wrote:
@coldfusion wrote:
@CreditCuriosity wrote:
My EQ can't handle another HP, thus i will look another way. Their HQ is based out of where I live (well at least alot if not most corporate jobs are, not sure if true headquarters), but no branches.. So weird!

Forst most their CL's are kinda meh, but if ok with a 7k-10k CL then cool. Card maxes out at 25k as well
Their true corporate headquarters are near where I work in the Providence RI financial district.

But yeah they aren't particularly generous with their SLs and you have to wait at least 9 months to be considered for a CLI.
The UI on their online banking site is in pretty serious need of an overhaul.
Interesting as their IT appears to be in brentwood, TN or at least some of it as just got a call about a job from them a few days back lol.
It could be spread out in multiple locations. For a sizable company, IT usually is spread out. Might be cheaper to have some of it in TN, otherwise if all of IT was in New England, it might be a 1.5% card lol.
Could be, but Nashville isn't cheap on IT by any means or a cheap place to live either. I remember UBS moved here to try to save money on salaries from Manatthan and they were suprised when the savings they thought they would save weren't there and they would have to pony up alot more salary than they thought for people. We have a huge shortage of IT people down here and amazon coming in with mid point of 150k and can go much higher and other companies got to match, etc.. well you get the point. Anyways getting off subject.

Be a more popular card probably if not so cheap. Suspect why it hasnt got much traction on this forum.

Yeah, not sure why it hasn't gotten much traction. Like PNC cash rewards card, offering 4% cash back on gas, and 3% on dining, that hasn't gotten traction either. I posted this because 1.8 isn't bad given CFU and QS are 1.5, and depending on your needs, 1.8 isn't terrible if you don't care about a few things.

Re: Citizens Bank Cash Back Plus Card

Anonymous — Wed, 30 Oct 2019 02:54:49 GMT

Regional cards don't get as much traction because so much of the country can't get them. Most of the good regional cards are for the eastern states and completely cut off central and west.

Re: Citizens Bank Cash Back Plus Card

CreditCuriosity — Wed, 30 Oct 2019 03:01:39 GMT

@Anonymous wrote:
Regional cards don't get as much traction because so much of the country can't get them. Most of the good regional cards are for the eastern states and completely cut off central and west.

checking accounts are regional, but their cards aren't....

Re: Citizens Bank Cash Back Plus Card

Anonymous — Wed, 30 Oct 2019 03:02:23 GMT

@Anonymous wrote:
Regional cards don't get as much traction because so much of the country can't get them. Most of the good regional cards are for the eastern states and completely cut off central and west.

They try to get them out there for anybody. It might be due to a small marketing budget for the card. I have a Propel card, but no branch anywhere nearby. But that also applies to Citi. Wells is bigger than Citizens, but they aren't well known at all here. Everybody knows Citibank.

It is hard to find a regional bank with a decent card without name recognition. Some people out west may not have ever hear of Citizens.

Re: Citizens Bank Cash Back Plus Card

Anonymous — Wed, 30 Oct 2019 03:04:11 GMT

@CreditCuriosity wrote:
@Anonymous wrote:
Regional cards don't get as much traction because so much of the country can't get them. Most of the good regional cards are for the eastern states and completely cut off central and west.
checking accounts are regional, but their cards aren't....

I guess Citizens is unique there. Regions, BBVA, PNC, FNBO, TD, etc., are all regional on cards too.

Re: Citizens Bank Cash Back Plus Card

Anonymous — Wed, 30 Oct 2019 03:05:18 GMT

@Anonymous wrote:
@Anonymous wrote:
Regional cards don't get as much traction because so much of the country can't get them. Most of the good regional cards are for the eastern states and completely cut off central and west.
They try to get them out there for anybody. It might be due to a small marketing budget for the card. I have a Propel card, but no branch anywhere nearby. But that also applies to Citi. Wells is bigger than Citizens, but they aren't well known at all here. Everybody knows Citibank.

It is hard to find a regional bank with a decent card without name recognition. Some people out west may not have ever hear of Citizens.

My bad, I guess this was my assumption that this card was like the other regional cards so I didn't bother with it since we don't have any branches here.

Re: Citizens Bank Cash Back Plus Card

Anonymous — Wed, 30 Oct 2019 03:08:32 GMT

Regional or not even the big names have blackholes for branches.

If you're a credit junky you've heard of the players in the market through researching the approvals section.

Citizens is kind of "basic" and odd when it comes to 1.8% rewards. What's the point of the missing 0.2% or even being bold to gain market share with a 2.5% instead? There's nothing really appealing about their product Sure 5% is a novelty and then it gets tossed aside for lackluster value beyond the next few months and the delayed payout will deter many as well.

Re: Citizens Bank Cash Back Plus Card

Anonymous — Wed, 30 Oct 2019 03:12:16 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Regional cards don't get as much traction because so much of the country can't get them. Most of the good regional cards are for the eastern states and completely cut off central and west.
They try to get them out there for anybody. It might be due to a small marketing budget for the card. I have a Propel card, but no branch anywhere nearby. But that also applies to Citi. Wells is bigger than Citizens, but they aren't well known at all here. Everybody knows Citibank.

It is hard to find a regional bank with a decent card without name recognition. Some people out west may not have ever hear of Citizens.
My bad, I guess this was my assumption that this card was like the other regional cards so I didn't bother with it since we don't have any branches here.

The only reason why I got a Propel card is because I have a 401k with them, and their card popped up on their website when I went in to log in.

Re: Citizens Bank Cash Back Plus Card

mikesonthemend — Wed, 30 Oct 2019 03:16:43 GMT

Nashville and Jacksonville have become the tax avoidance escape hatch for the Northeast and the rust-belt.

Re: Citizens Bank Cash Back Plus Card

Anonymous — Wed, 30 Oct 2019 03:18:30 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Regional cards don't get as much traction because so much of the country can't get them. Most of the good regional cards are for the eastern states and completely cut off central and west.
They try to get them out there for anybody. It might be due to a small marketing budget for the card. I have a Propel card, but no branch anywhere nearby. But that also applies to Citi. Wells is bigger than Citizens, but they aren't well known at all here. Everybody knows Citibank.

It is hard to find a regional bank with a decent card without name recognition. Some people out west may not have ever hear of Citizens.
My bad, I guess this was my assumption that this card was like the other regional cards so I didn't bother with it since we don't have any branches here.
The only reason why I got a Propel card is because I have a 401k with them, and their card popped up on their website when I went in to log in.

And see, Wells Fargo is all over here so I would think it odd not to have heard about the Propel.

Wells Fargo, US Bank, Chase and KeyBank make up the bulk of the big banks here. Only Wells Fargo is actually ranked higher for business in CO than our regional bank, 1stBank, though.

Re: Citizens Bank Cash Back Plus Card

Anonymous — Wed, 30 Oct 2019 03:25:18 GMT

I've heard of them just within the last 5 years, but never would have looked at their credit card offerings until I saw Propel about a year ago.

I guess someone in the west could go for a best rate car loan on LendingTree and get an offer from Citizens bank. Then at some point see their credit card when they go to log in to make a payment.

Re: Citizens Bank Cash Back Plus Card

CreditCuriosity — Wed, 30 Oct 2019 03:27:42 GMT

@mikesonthemend wrote:
Nashville and Jacksonville have become the tax avoidance escape hatch for the Northeast and the rust-belt.

possibly, but careful on talking about this or this could cross one of the 5 things we don't discuss on the forums. Thanks