Power your progress with our lowest rate card and no annual fee.*
Manage your finances confidently with our lowest rate card and low introductory rates on balance transfers.
$0 Annual Fee* · Variable #ProductLine=CreditCard|Brand=citizensbank|ProductName=Citizens Spring World Mastercard|RateName=Variable APR|ProductAttribute=RateValue# APR based on your creditworthiness.*
Citizens Spring World Mastercard benefits
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 #ProductLine=CreditCard|Brand=citizensbank|ProductName=Citizens Spring World Mastercard|RateName=Variable APR|ProductAttribute=RateValue# variable APR, based on creditworthiness.*
Lyft: Earn $5 in Lyft credit when you take three eligible rides in the same month.1
Peacock: Get $3 off Peacock Premium each month that you use your card to subscribe, and stay on top of the newest movies, shows and live sports.2
Instacart: Get two months of free deliveries with Instacart+ and $10 off your second order each month, and avoid the grocery store checkout lines.3
ShopRunner: With an online membership, unlock free two-day shipping and free returns at dozens of top stores.4
ResortPass: Enjoy exclusive daycations at luxurious resorts with a $20 statement credit on your next booking of $200 or more.5
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.6
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.7
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.8
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.9
Healthlock™: Enjoy a complimentary membership for HealthLock for Mastercard® Medical Claim Monitor and a free 90-day upgrade to all HealthLock services.10
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.11
- 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.12
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
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1 Beginning 4/1/21 and running through 1/31/2026, Lyft users can participate in Lyft and Mastercard's Take 3, Get $5 program ("Program") by taking and partially or fully paying for three (3) Eligible Rides in a calendar month to receive a $5 Lyft credit ("Credit"). The rides must be paid for with an eligible World or World Elite Mastercard credit card (Apple Card® is not eligible for this program, but Apple Pay or Google Pay may be eligible if your World or World Elite Mastercard credit card is the funding source). Limit one Credit per calendar month per Lyft account. An "Eligible Ride" is any Lyft ride type, excluding business rides and bicycle and scooter rental rides. Valid only in the USA. Whether a ride qualifies as an Eligible Ride for purposes of the Credit will be determined in Lyft's sole discretion. Credits expire thirty (30) days after application. Limited time only and while supplies last. By participating in the Program, you agree to these terms and Lyft's Terms of Service, and you agree that Lyft and Mastercard may share your information for the purposes of tracking and processing the Credit and may use anonymized, aggregated data for business analytics and offer optimization. Credits may take up to two (2) days to be applied to your Lyft account.
2 Ends 12/31/2025, subject to early termination. Must use qualifying Mastercard World or World Elite credit card and subscribe to a full-priced Peacock Premium plan directly from Peacock to receive a $3.00 monthly statement credit. Statement credit ends when user no longer meets eligibility requirements. Excludes current Peacock Premium and Premium Plus subscribers. Additional eligibility restrictions, exclusions, and terms apply. For full terms, see peacocktv.com/offer-terms/mastercard
3 Ends 8/31/2025, subject to early termination. Add an eligible U.S. World or World Elite Mastercard credit card and subscribe as a new Instacart+ member to receive a free two-month trial and a $10 Instacart coupon on your second qualifying order each month. Must have an active Instacart+ membership paid for with an eligible card and complete one qualifying Instacart order each month. By redeeming this offer, you agree to the Instacart+ terms, and if you select a paid plan, your Instacart+ membership will auto-renew and the applicable membership fee will be billed automatically to any payment method on file until you cancel. Additional terms apply. Please visit instacart.com/p/mastercard-offer
4 Valid through 9/30/25. To get the free ShopRunner membership offer, compliments of Mastercard, please go to shoprunner.com/mastercard and verify your eligibility for the offer with a World Mastercard or World Elite Mastercard account number and then complete the sign up for a ShopRunner membership account. For details on how the ShopRunner membership works, please see the ShopRunner Terms and Conditions at shoprunner.com/terms, which govern the use of your ShopRunner membership offer.
5 Ends 9/30/2025, subject to early termination. Make a booking or purchase of a gift card of $200 or more on ResortPass using your eligible World Elite Mastercard and receive a $30 statement credit. Make a booking or purchase of a gift card of $200 or more on ResortPass using your eligible World Mastercard and receive a $20 statement credit. Cannot be combined with other discounts. Statement credits may take up to 60 days to appear on your statement. Additional eligibility restrictions, exclusions, and terms apply. For full terms, see resortpass.com/mastercard
6 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.
7 For additional details, visit priceless.com/golf
8 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
9 For more information visit citizensbank.com/account-safeguards/unauthorized-transaction-policy.aspx
10 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
11 Wireless carrier, text and/or data charges may apply.
12 A pre-qualification request will not impact your credit score. Rate estimates / terms subject to change after full application review. A subsequent application will result in an inquiry on your credit report.
Apple Card and Apple Pay are trademarks 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.