Citizens BankSummitRegistry illustration · issuer artwork unavailable

SummitCitizens Bank · N bank, CA · FDIC 57957

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecuredFiled as “Citizens Summit”

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Purchase APR

17.74%–27.99%

great to good

Balance transfer

0% introductory · reported median duration 12 mo

no ongoing rate filed

Cash advance APR

28.74%–29.24%

variable

Annual fee

a year

Foreign fee

of the amount

Grace period

25 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 18.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 25.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	17.74%–27.99% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfersintroductory rate first	0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances	28.74%–29.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	25 days from the close of each billing cycle	—	—
Minimum interest charge	$1.50	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Transaction fees
Cash advance	5% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	5% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	3% of the amount, minimum $1.50Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	$29Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Repeat late fee within six billing cycles	$40Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
None disclosed	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer terms	NoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

Citizens Summit Cardholder Agreement_June_2025page 1 of 19

CREDIT CARD AGREEMENT

F03-AC71-6

Introduction

YOUR CARDHOLDER AGREEMENT

This document, together with your Rates and Fees Table, and any amendments make up the contract between you, the cardmember, and Citizens Bank, N.A. Any special offers related to your Account are subject to this Agreement, unless explained otherwise. We will refer to this document as vourAgreement.THIS AGREEMENT CONTAINS AN ARBITRATION PROVISIONINCLUDING A NOTICE REGARDING THE RIGHTTO OPT OUT.

ACCEPTANCE OFYOUR AGREEMENT

Your use of the Account or any payment on the Account indicates your acceptance of the terms of this Aareement

Any Cards or checks issued to you belong to us. You agree to sign each Card before you use it. You agree to return your Cards and checks to us at any time, if we ask you. When you present your Card, we, a merchant, or any other party acting on our behalf can retain your Card, without prior notice to you.

CHANGESTO YOURAGREEMENT

We may change the terms of this Agreement, including but not limited to Annual Percentage Rate (APR) and fees.from time to time.We mav also add new terms.delete terms.or change any benefit, service, or feature on your Account. We may do this in response to the business, legal or competitive environment. Our ability to make changes to this Agreement is limited by applicable law. If required by applicable law, we will provide notice of the change to you before the effective date of the change. We will tell you in the notice if you have the right to reject the change

PROMISETOPAY

We have agreed to lend you money as described in this Agreement, and you agree to pay us back together with interest charges and fees. This promise includes paying for charges you make (even if you do not present your Card or sign the transaction), charges that other people make if you let them use your Account, and charges that additional authorized users make or permit others to make

BEWARDS

Your Account might provide you with the opportunity to earn rewards. If it does, we wil separately provide you with a Reward Guide containing information and terms about your rewards.

WORDS USEDIN THISAGREEMENT

"Account" means the relationship established between you and us in this Agreement

"Card" means any one or more credit cards that we issue to you or someone else with your authorization under this Agreement

"We,"our" and "us" mean Citizens Bank, N.A.,the issuer of vour credit Card and the creditor under this Agreement, or any subsequent holder of this Agreement

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citizens-bank-national-association:citizens-summit
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR max, Transfer APR median, Transfer APR min, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citizens-bank-national-association:citizens-summit
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citizens-bank-national-association:citizens-summit
Fields: Introductory APR Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citizens-bank-national-association:citizens-summit
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citizens-bank-national-association:citizens-summit
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citizens-bank-national-association:citizens-summit
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citizens-bank-national-association:citizens-summit
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citizens-bank-national-association:citizens-summit
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citizens-bank-national-association:citizens-summit
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citizens-bank-national-association:citizens-summit
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citizens-bank-national-association:citizens-summit
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citizens-bank-national-association:citizens-summit
Fields: Late Fee Six Month Billing Cycle
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citizens-bank-national-association:citizens-summit
Fields: Additional Fees, Other Fees
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citizens-bank-national-association:citizens-summit
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citizens-bank-national-association:citizens-summit
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗

CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Dec 31, 2025: Annual fee, Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Citizens Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 57957
Branches: 979 in CA, CT, DC, DE, FL, KY, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VA, VT
Sources: Government dataset · 1 document · 0 pages cited

Documents

Citizens Summit Cardholder Agreement_June_2025effective date not parsed

SummitCitizens Bank · N bank, CA · FDIC 57957

Rates and fees