In June 2025, Residents Financial institution fully overhauled its suite of private bank cards. It closed purposes to 3 of its current bank cards and launched 5 new ones. The playing cards are largely stable merchandise, however all of them lack welcome provides, which could be value a whole bunch of {dollars} on different bank cards.

And whilst you don’t have to be a Residents Financial institution member to use for its bank cards, Citizen Financial institution’s restricted footprint might be a possible disadvantage. As of 2025, it operated branches in solely 14 states and the District of Columbia.

Right here’s an outline of bank cards from Residents Financial institution.

For these seeking to construct or rebuild their credit score, the Residents Amp bank card is a terrific possibility. There’s no credit score rating requirement to get the cardboard, and also you don’t must put down a safety deposit. The Residents Amp card doesn’t cost an annual charge nor a penalty APR in the event you occur to overlook a number of funds. Nonetheless, you’ll wish to make as many on-time funds as potential, in the event you can: Residents Financial institution says good credit score habits can qualify you for a credit score restrict enhance or product improve in as little as six months.

Citizen Financial institution’s solely stability switch possibility, the $0-annual-fee Residents Spring card, has a 0% intro APR on stability transfers for the primary 18 billing cycles (as of this writing). The cardboard costs a stability switch charge of $10 or 5% of the switch quantity. A no-interest interval of 18 months is stable, nevertheless it’s not the longest in the marketplace. Should you want an extra-long runway for paying off debt, the Citi Simplicity® Card provides 0% intro APR on purchases for 12 months and 0% intro APR on stability transfers for 21 months, after which the continuing APR of 18.24%-28.99% Variable APR. Plus, its stability switch charge is 3% in the event you provoke the switch inside the first 4 months of account opening.

As of this writing, the Residents Summit is the one no-annual-fee card that earns money again in Residents Financial institution’s portfolio. It’s marketed as an “everyday spending” card and earns 3% money again on eating out and groceries (excluding Walmart and a few superstores). Every thing else earns 1.5%. The Residents Summit additionally has a 0% intro APR interval on stability transfers for 12 months.

These perks make the Residents Summit a superb card, however you are able to do higher. The Capital One Savor Money Rewards Credit score Card additionally earns a limiteless 3% on eating and at grocery shops, plus the identical price on leisure and choose streaming companies. Its 0% intro APR interval is superior, too: 0% intro APR on purchases and stability transfers for 15 months; 19.24%-29.24% variable APR after that; stability switch charge applies. Lastly, the Savor card, in contrast to the Residents Summit, has a welcome provide: Earn a one-time $200 money bonus when you spend $500 on purchases inside the first 3 months from account opening.

The Summit Reserve bank card boasts probably the most perks in contrast with the others in Residents Financial institution’s portfolio — and it has a $295 annual charge to match. You possibly can whittle that quantity right down to $95 when you’ve got a Residents Quest checking account (which is free to open), or all the way in which to $0 when you’ve got a Residents Personal Consumer or Personal Financial institution checking account. Personal Consumer checking requires a $200,000 month-to-month mixed stability throughout Residents Financial institution deposit and funding accounts. Personal Financial institution members will need to have a multimillion-dollar internet value.

The Summit Reserve’s advantages embrace the next:

• Limitless 3% money again on eating, groceries, leisure and streaming, and a limiteless 1.5% on every thing else. 

• No international transaction charges.

• Precedence Cross Digital Lounge membership, plus 4 free visits per yr. After that, every go to prices $35 for members and their visitors.

• As much as $120 in annual journey assertion credit. For each month you spend $10 or extra on eligible journey purchases monthly, you’ll obtain a $10 assertion credit score.

• As much as $120 in annual Lyft credit. For each month you spend $25 or extra on Lyft rides, you’ll obtain a $10 assertion credit score. Lyft credit expire Jan. 31, 2026.

By utilizing the Summit Reserve’s journey credit and free lounge visits, you’ll defray that $295 annual charge.

Should you’re keen to pay slightly extra, although, you could find much more rewarding premium journey playing cards. For a $395 annual charge, you’ll be able to benefit from the Capital One Enterprise X Rewards Credit score Card and its many perks: a $300 annual journey credit score for bookings made by means of Capital One Journey, entry to Capital One lounges, mobile phone insurance coverage and a priceless welcome provide.

The next bank cards are closed to new candidates as of June 12, 2025. Nonetheless, current cardholders could proceed to make use of their playing cards.