Four new cards tailored to where you are and where you're going

Explore all card offers with no impact to your credit score.1

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Summit Reserve credit card

Citizens Summit Reserve® World Elite Mastercard®

Access even more rewards with our premium 18 gram metal card.

  • Unlock over $750 in premium travel benefits and exclusive experiences, while earning cash back on your everyday purchases.2
  • $295 Annual Fee (exclusive annual fee waivers and reductions available for some Citizens account holders).*
  • Variable APR 20.24% to 29.24% based on your creditworthiness.*

*Important information about rates, fees, and cash back eligibility

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Citizens Amp® Mastercard®

Build your credit foundation3 with no annual fee.**

  • No credit score needed to apply.4
  • Establish your credit history by making on-time payments
  • $0 Annual Fee**

**Important information about rates and fees

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Citizens Spring® World Mastercard®

Power your progress with our lowest rate card and no annual fee.

  • Low introductory rates on balance transfers
  • $0 Annual Fee
  • Variable APR #ProductLine=CreditCard|Brand=citizensbank|ProductName=Citizens Spring World Mastercard|RateName=Variable APR|ProductAttribute=RateValue# based on your creditworthiness.

Important information about rates and fees

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Citizens Summit® World Mastercard®

Reward your everyday spending with our no annual fee†† rewards card.

  • 3% unlimited cash back on dining and groceries, and 1.5% unlimited cash back on everything else.5
  • $0 Annual Fee††

††Important information about rates and fees

Are you a Citizens Private Bank customer?

Please visit the Citizens Private Bank website for more details on our Private Bank credit card offering.

Conveniences you'll enjoy in-store, online and in-app

24/7 online account management

Make payments, set up account alerts, and much more.

Contactless payments

Tap & Go™ with Contactless payments for fast, easy and secure checkout wherever you see the Contactless pay symbol.

Digital wallets

Including Apple Pay®, Samsung Pay™, and Google Pay™ to pay in store, online, and in app.6

Account and purchase protection

Peace of mind with Mastercard Zero Liability Protection7 and Mastercard ID Theft Protection™8

36 million Mastercard locations

Acceptance at more than 36 million Mastercard locations worldwide.

Distinctive notch design

Each card features a distinctive notch design that makes it easier to find when you need it.

Explore all card offers with no impact to your credit score.1

Get Prequalified^

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1 A pre-qualification request will not impact your credit score. Rate estimates and terms are subject to change after full application review. A subsequent application will result in an inquiry on your credit report.

2 The Citizens Summit Reserve World Elite Mastercard Reward Program: You will earn 3% Rewards Points for every dollar you spend on eligible purchases made in the restaurant, grocery store (excluding Walmart® and select superstores), and entertainment (including streaming services) merchant categories with your Citizens Summit Reserve™ World Elite Mastercard®. You will earn 1.5% Reward Points for every dollar you spend on all other eligible net purchases with no limits, as long as your account is in good standing. A Card account is in good standing if your Card is open and has charging privileges. Purchases are submitted and categorized by the merchant. Merchants are assigned a merchant code, which is determined by the merchant, or its processor based on the products and services they primarily sell. Citizens does not choose the merchant code or control how purchases are classified. A purchase will not receive the additional Reward Points if the merchant's code is not eligible. This Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide when your account is opened. The Reward Guide will explain the program, including the following: A) Earn cash back rewards on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards will not expire as long as your credit card account is in good standing, and you make an eligible purchase once every twelve (12) months. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor. E) Other terms may apply and will be included in the Agreement.

3 Citizens reports information about your Account to credit bureaus. Payments made by your billing statement due date can help build or establish your credit. Negative credit information, including late payments, missed payments, or other defaults on your Account may be reflected in your credit report and may adversely impact your ability to build credit. Subject to individual credit approval.

4 You must meet other applicable underwriting criteria. When we evaluate your creditworthiness, we consider all the information you provide on your application, your credit report, and other information. If you have a credit score, we may use that in our evaluation. Not having a credit record may impact your chance of approval. Independent ability to make the required minimum payment amounts or a signed agreement from a co-signer is required.

5 The Citizens Summit World Mastercard Reward Program: You will earn 3% Rewards Points for every dollar you spend on eligible purchases made in the restaurant and grocery store (excluding Walmart® and select superstores) merchant categories with your Citizens Summit™ World Mastercard®. You will earn 1.5% Reward Points for every dollar you spend on all other eligible net purchases with no limits, as long as your account is in good standing. Purchases are submitted and categorized by the merchant. Merchants are assigned a merchant code, which is determined by the merchant, or its processor based on the products and services they primarily sell. Citizens does not choose the merchant code or control how purchases are classified. A purchase will not receive the additional Reward Points if the merchant's code is not eligible. This Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide when your account is opened. The Reward Guide will explain the program, including the following: A) Earn cash back rewards on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards will not expire as long as your credit card account is in good standing, and you make an eligible purchase once every twelve (12) months. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor. E) Other terms may apply and will be included in the Agreement.

6 Wireless carrier, text and/or data charges may apply.

7 Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your guide to benefits for details, call 800-MASTERCARD or visit mastercardus.idprotectiononline.com/general/legal/terms-of-service

8 For more information visit citizensbank.com/account-safeguards/unauthorized-transaction-policy.aspx

Apply Pay is a trademark of Apple Inc., registered in the U.S. and other countries.

Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.

Google pay is a trademark of Google LLC. Google Pay works on Android devises running Android Lollipop 5.0 or above.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Credit cards are issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.