Build your credit foundation1 with no annual fee.*
Establish your credit history by making on-time payments.
$0 Annual Fee* · Variable APR #ProductLine=CreditCard|Brand=citizensbank|ProductName=Citizens Amp Mastercard|RateName=Variable APR|ProductAttribute=RateValue#.*
Citizens Amp Mastercard benefits
MoviePass: Get 50% off your first two months of a new Standard or Premium MoviePass plan to catch all the newest movies on the big screen.2
Mastercard Transit Benefit: Save when you tap and go with your Amp card and receive a $2.50 statement credit when you spend $10 or more each month at participating transit locations.3
Mastercard ID Theft Protection™: Safeguard your identity with 24/7 fraud detection, receive alert notifications for suspicious activity and access to a resolution specialist to resolve ID theft issues.4
Mastercard Zero Liability Protection: Gain peace of mind to guard against fraudulent purchases in store, on the phone, online, on our app, and at ATMs.5
Healthlock™: Enjoy a complimentary membership for HealthLock for Mastercard® Medical Claim Monitor and a free 90-day upgrade to all HealthLock services.6
Upgrade: Build healthy credit habits like making on-time payments and earn access to more benefits with one of our other credit cards (Spring, Summit or Summit Reserve).7
Conveniences you’ll enjoy in store or online.
- 24/7 online account management to make payments, set up account alerts, and much more.
- Tap & Go™ with Contactless payments for fast, easy and secure checkout wherever you see the Contactless pay symbol.
- Use digital wallets, including Apple Pay®, Samsung Pay™, and Google Pay™ to pay in-store, online, and in app.8
- Made from recycled PVC with a distinctive notch design that makes it easier to find when you need it.
- Acceptance at more than 36 million Mastercard locations worldwide.
Explore all card offers with no impact to your credit score.9
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
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1 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.
2 This offer is valid from April 1, 2024, through January 31, 2026, subject to early termination. MoviePass customers who use an eligible U.S. Standard Mastercard credit card to purchase a new MoviePass Standard Subscription Plan or a new MoviePass Premium Subscription Plan at moviepass.com/mastercard will receive a 50% discount on the first two months of the applicable monthly subscription price.
3 Open only to individuals with an eligible U.S.-issued Mastercard credit or debit card (excluding prepaid debit cards). Ends 12/31/25. Use your Mastercard credit or debit card (excluding prepaid debit cards) to make a contactless public transit purchase (initiated at point of entry) in Chicago, IL; Boston, MA; Miami, FL; Philadelphia, PA, or Dallas, TX and process a minimum of $10 in contactless transactions within any given calendar month and receive a $2.50 statement credit. Public transit is defined as bus and streetcar in Dallas, TX (DART); bus, subway and metro in Chicago, IL (CTA & Pace Suburban Bus), Miami, FL (DTPW), and Philadelphia, PA (SEPTA); and bus, subway, metro and trolley in Boston, MA (MBTA). Purchase transactions involving prepaid, PIN-based debit, international transactions, Mastercard® Corporate transactions or other transactions requiring a PIN for completion, are not eligible for this Offer. Your $2.50 statement credit will be automatically applied to your card within 60 days of purchase. Limit 1 credit per participant per calendar month. For a list of financial institutions that are not participating in this benefit, click here. For full Terms & Conditions, visit mastercard.com/transitbenefit terms subject to change.
4 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
5 For more information visit citizensbank.com/account-safeguards/unauthorized-transaction-policy.aspx
6 Enrolled users receive, at no cost, Medical Claim Monitor, plus a premium upgrade to Medical Claim Saver for the first 90 days. After 90 days, users will continue to receive Medical Claim Monitor at no monthly cost and have the option to continue with Medical Claim Auditor for $4.99 per month or Medical Claim Saver for $19.99 per month. See full terms at healthlock.com/mastercard
7 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.
8 Wireless carrier, text and/or data charges may apply.
9 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.
Apple 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 devices 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.