| Category | Rate | Type | Cap |
|---|---|---|---|
|
Travel
Purchases categorized as travel
|
3x | Points | No cap |
|
Dining
Purchases categorized as dining
|
3x | Points | No cap |
|
All Other Purchases
All eligible purchases not categorized as travel or dining
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Annual Travel Credit
An annual statement credit for qualifying travel purchases including airfare, hotels, and car rentals.
|
Credits |
$200/year
Up to $200
|
|
TSA PreCheck or Global Entry Credit
Statement credit for the application fee for TSA PreCheck or Global Entry every four years.
|
Credits |
Up to $100
Up to $100
|
|
No Foreign Transaction Fees
Citizens does not charge a fee on purchases made outside of the United States.
|
Financial |
Complimentary
Up to $0
|
|
Cell Phone Protection
Coverage against damage or theft of your cell phone when the monthly bill is paid with the card.
|
Insurance |
Up to $1,000/year
Up to $1,000
|
|
Extended Warranty
Doubles the time period of the original manufacturer’s written U.S. repair warranty up to one additional year on eligible purchases.
|
Insurance |
Up to $10,000
Up to $10,000
|
|
MasterRental Coverage
Secondary insurance for physical damage and theft of a rental vehicle when you decline the rental company's collision damage waiver.
|
Insurance |
Up to $50,000
Up to $50,000
|
|
Purchase Assurance
Provides coverage for most items you purchase with your card if they are damaged or stolen within 90 days of the date of purchase.
|
Insurance |
Up to $1,000
Up to $1,000
|
|
Trip Cancellation and Interruption Insurance
Provides reimbursement for non-refundable travel expenses if a trip is cancelled or interrupted for a covered reason.
|
Insurance |
Up to $1,500
Up to $1,500
|
|
Mastercard Travel & Lifestyle Services
Access to a suite of travel benefits including hotel amenities, upgrades, and premium travel experiences.
|
Lifestyle | Complimentary |
|
Mastercard ID Theft Protection
Provides proactive monitoring of your personal information and assistance from experts if identity theft occurs.
|
Security | Complimentary |
|
ShopRunner Membership
Complimentary membership providing free 2-day shipping and free return shipping at over 100+ online stores.
|
Shopping | Complimentary |
|
Priority Pass Select Lounge Access
Complimentary membership to Priority Pass Select providing access to over 1,300 airport lounges worldwide.
|
Travel | Complimentary |
|
World Elite Concierge
24/7 personalized assistance with dinner reservations, event tickets, and travel planning.
|
Travel | Complimentary |
