Welcome to your Citizens Spring® World Mastercard®

Low Interest Rate: Enjoy our lowest annual percentage rate card.

Intro Balance Transfer Offer: Enjoy 0% intro APR on balance transfers for the first 18 billing cycles. Thereafter, the variable APR for balance transfers on your account will apply.*

Lyft: Earn $5 in Lyft credit when you take three eligible rides in the same month.^† Learn More

Instacart: Get three months of free deliveries with Instacart+ and $10 off your second order each month.^† Action required: To claim your benefit, visit Instacart.com/mastercard-offer.

Priceless Experiences®: Access in-person and digital experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.^† Learn More

Mastercard Transit Benefit: Save when you tap and go with your Spring card and receive a $2.50 statement credit when you spend $10 or more each month at participating transit locations.^† Learn More

Mastercard Golf: Swing away at TPC Network Clubs, as well as golf school and travel packages that'll make you feel like a tour pro.^† Learn More

Music and Entertainment Access: Gain access to ticket presales at top venues and festivals across the U.S. Explore specific festivals, venue locations, dates and more.^† Learn More

Mastercard Travel and Lifestyle Services®: Enjoy free nights at partner hotels, hundreds of staycation offers, amenities and upgrades at properties in the Mastercard portfolio, savings and status upgrades on cars and RV rentals and personal airport concierge service for that extra peace of mind.^† Action required: To claim your benefit, visit travel.mastercard.com.

Mastercard ID Theft Protection™: Get ID Theft Protection provided on a 24-hour basis, 365 days a year. Contact 1-800-MASTERCARD if you believe you have been a victim of identity theft.^† Action required: You must enroll by visiting mastercardus.idprotectiononline.com.

Mastercard Zero Liability Protection:

You will not be held responsible for unauthorized transactions^† if:

• You have used reasonable care in protecting your card from loss or theft; and

• You promptly reported loss or theft to your financial institution.

• If you suspect unauthorized use of your card, contact Citizens IMMEDIATELY at 1-800-684-2222.

Learn More

Mastercard Global Services®: When you're out-of-country and in need of assistance - including assistance with Lost and Stolen Card Reporting and Emergency Card Replacement - you can reach a Mastercard Global Service Representative who can help you in any language.^† In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309.

For country-specific, toll-free telephone numbers not listed above, visit mastercard.com or call the United States collect at 1-636-722-7111.

Healthlock™: Enjoy a complimentary membership for HealthLock for Mastercard® Medical Claim Monitor and a free 90-day upgrade to all HealthLock services.^† Action required: To claim your benefit, visit HealthLock.com/mastercard

Contactless Payments: Tap & Go™ for fast, easy and secure checkout wherever you see the contactless pay symbol.

Digital Wallet: Use your device’s digital wallet, Including Apple Pay®, Samsung Pay™, and Google Pay™ to pay in store, online, and in app.^†

Worldwide Recognition: Acceptance at more than 36 million Mastercard locations worldwide.