Welcome to your Citizens Amp^™ Mastercard^®

* Please see your latest statement for current rate and fee information that applies to your account or request your Cardholder Agreement. APRs will continue to vary with the market based on the Prime Rate.

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

³ Get 50% off your first two months of a new Standard or Premium MoviePass plan with your eligible Mastercard at moviepass.com/mastercard. Offer valid until 9/30/2025, subject to early termination. Customers who purchase a new MoviePass Standard Subscription Plan or a new MoviePass Premium Subscription Plan at moviepass.com/mastercard using an eligible U.S. Standard Mastercard consumer credit card will receive a 50% discount on the first two months of the applicable monthly subscription price. For full terms and conditions visit moviepass.com/mastercard.

⁴ 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.

⁵ 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.

⁶ For additional information, or for country-specific details visit our website at mastercard.com or call the United States collect at 1-636-722-7111. Full details also available in Guide to Benefits.

⁷ 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.

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

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

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.

This card is issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.