Citizens Bank · Mastercard

Citizens Spring World Mastercard®

Credit World Mastercard

$0 Annual Fee

See terms Purchase APR

670+ Recommended FICO

Rewards

Category	Rate	Type	Cap
All Other Purchases This card does not earn rewards points or cash back; it is a credit-building tool with a focus on credit monitoring and financial management.	0x	Points	No cap

Benefits & Protections

Cell Phone Protection

Purchase Protection

Extended Warranty

Concierge Service

Benefit	Category	Value / Coverage
Lyft Credit Take three eligible rides in a month and receive a $5 Lyft credit.	Credits	$5/month Up to $5
Mastercard Transit Benefit Receive a $2.50 statement credit when you spend $10 or more each month at participating transit locations.	Credits	$2.50/month Up to $3
Introductory Balance Transfer Offer 0% introductory APR on balance transfers for the first 18 billing cycles from account opening.	Financial	0% for 18 months
Low APR Enjoy the lowest annual percentage rate offered by Citizens on their credit card lineup.	Financial	Lowest Rate Card
No Annual Fee Maintain your credit card account without an annual membership fee.	Financial	Complimentary Up to $0
Extended Warranty Doubles the original manufacturer's warranty up to an additional twelve months on most items purchased.	Insurance	Up to 1 year extra
Mastercard Golf Exclusive access and savings at TPC Network Clubs, golf schools, and travel packages.	Lifestyle	Complimentary
World Mastercard Concierge 24/7 personal assistant for dining, travel, household needs, and event access.	Lifestyle	Complimentary
Contactless Payments Tap & Go™ technology for fast and secure checkout at participating merchants.	Other	Complimentary
Distinctive Notch Design A physical tactile notch on the card to make it easier for visually impaired users to identify and orient.	Other	Complimentary
Mastercard ID Theft Protection™ 24/7 identity monitoring, alert notifications, and access to resolution specialists for identity theft issues.	Security	Complimentary
Mastercard Zero Liability Protection Protection against unauthorized purchases made in-store, over the phone, online, or at ATMs.	Security	Complimentary
Instacart+ Benefit Three months of free Instacart+ deliveries and $10 off your second order each month.	Shopping	3 months free + $10/month Up to $10
MasterRental Coverage Secondary coverage for physical damage and theft of rental vehicles when you decline the rental company's waiver.	Travel	Complimentary

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 3% of the amount of each balance transfer, whichever is greater.

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $40

Returned Payment FeeUp to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationAvailable (no hard pull)

Student EligibleNo

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 3 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across all Citizens Bank products, unusual spending patterns, rapid credit cycling, defaulting on other Citizens Bank accounts (e.g., loans, mortgages), or a significant deterioration in credit profile.

Cliff Effect Rules

Citizens Bank does not typically enforce strict 'cliff effect' rules similar to major issuers (e.g., Chase 5/24, Amex once-per-lifetime). However, applying for multiple Citizens Bank credit products within a short timeframe may lead to denials based on overall credit exposure and relationship history.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

For 2026, the Citizens Spring World Mastercard is projected to offer a sign-up bonus (e.g., earn $200 cash back after spending $1,500 in the first 3 months). Eligibility requires applicants to be 18+ US residents with a strong credit history (typically FICO 700+). A key application rule is residency within Citizens Bank's primary service footprint. Existing banking relationships with Citizens Bank (e.g., checking, savings, loans) are highly beneficial and can significantly improve approval odds. While no strict 'X/Y' application rules like major issuers are anticipated, multiple recent credit applications may be scrutinized.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

Citizens Bank complies with the Servicemembers Civil Relief Act (SCRA) and offers eligible Servicemembers interest rate reductions on certain credit products. Contact 1-800-922-9999 for details.

Hardship Program

Hardship program available.

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Annual Fee

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