Citizens Bank Visa Credit Cards

Shared Interest Visa Credit Card

Imagine a credit card aligned with values. One that puts members first. With Shared Interest™ Visa it exists. Wouldn't everyone want a card like this?

The Shared Interest Visa* credit card gives you all the convenience and security of Visa, a flexible rewards program, and every time you use your card, you help your community and the environment.

There’s a Shared Interest Visa card for everyone. Choose the one that’s right for you.

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Shared Interest Classic* Visa


For members who…

Don’t expect to carry a balance.

Want a lower annual fee and the ability to earn reward points.¹

Typically carry a balance and want a low interest rate and the ability to earn reward points.¹

Carry a balance and want a low interest rate only.

Annual fee

$0

$50

$25

Interest rate

19.5%

11.25%

11.25%

Rewards earn rate

$2/1 point

$2/1 point

n/a

Bonus reward points

n/a

Insurance coverage

Learn more by reading the Citizens Bank Visa Insurance Agreement

Additional benefits

  • A 21-day interest-free grace period on new purchases
  • Chip-enabled for enhanced safety and security
  • 24-hour cash advances through any ATM displaying the Visa symbol
  • Emergency card and cash replacement services
  • Lost or stolen card protection
  • Protection from unauthorized use with Visa’s zero cardholder liability
  • Safer online shopping with Verified by Visa
  • Up to four supplementary cards free

 

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Shared Interest Gold Visa


For members who…

Don’t expect to carry a balance.

Want a lower annual fee and the ability to earn reward points. 1

Typically carry a balance, want a low interest rate and the ability to earn reward points. 1

Carry a balance and want a low interest rate only.

Annual fee

$99

$145

$45

Interest rate

19.5%

11.25%

11.25%

Rewards earn rate

$1/1 point

$1/1 point

n/a

Bonus reward points

  • 2,500 points with your first purchase
  • 3,500 points upon each card anniversary

n/a

Insurance coverage

Learn more by reading the Citizens Bank Visa Insurance Agreement

Additional benefits

  • A 21-day interest-free grace period on new purchases
  • Chip-enabled for enhanced safety and security
  • 24-hour cash advances through any ATM displaying the Visa symbol
  • Emergency card and cash replacement services
  • Lost or stolen card protection
  • Protection from unauthorized use with Visa’s zero cardholder liability
  • Safer online shopping with Verified by Visa
  • Up to four supplementary cards free

When you choose and use a Shared Interest Visa card, you earn great rewards, while making good things happen in your community. Each year, 10 cents for every Shared Interest Visa transaction is donated to the Shared Interest Fund™ to affect positive social and environmental change

Plus, you can redeem your My Visa Rewards Plus points for travel, merchandise, Vancity financial products or donate to any registered Canadian charity of your choice. To get the most out of your card, please take some time to familiarize yourself with the details of your Citizens Bank Visa Cardholder Agreement and insurance coverage. As of  January 1, 2013, a  new Citizens Bank Visa Cardholder Agreement will be in effect. The important terms and conditions of the agreement will remain the same, we have just re-written it in clear language so it’s easier for you to understand. This new cardholder agreement is a great reference for things like fees, interest and payment information. Download the cardholder agreement now.

We're here to help.

General inquires and lost or stolen cards?
1.800.611.8472 or 604.877.4999

Redeem your reward points at myvisarewardsplus.com

¹My Visa Rewards Plus is only applicable to Citizens Bank Shared Interest Classic* and Shared Interest Gold Visa cards that earn My Visa Rewards Plus points.
â„¢Shared Interest is a registered trademark of Citizens Bank of Canada.
*Visa Int./Citizens Bank, Licensed User.