Our lowest rate card and low introductory rates on balance transfers.



Manage your finances confidently with our lowest rate card.
Enjoy a 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 your creditworthiness.*
No matter how much you spend, there's no annual fee.*
Access benefits from Mastercard, Lyft and more. Plus, account and purchase protection to give you peace of mind.
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.†
Instacart: Get three months of free deliveries with Instacart+ and $10 off your second order each month, and avoid the grocery store checkout lines.†
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.†
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.
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.†
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.1
Healthlock™: Enjoy a complimentary membership for HealthLock for Mastercard® Medical Claim Monitor and a free 90-day upgrade to all HealthLock services.†
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.
Including Apple Pay®, Samsung Pay™, and Google Pay™ to pay in store, online, and in app.†
Peace of mind with Mastercard Zero Liability Protection1 and Mastercard ID Theft Protection™†
Acceptance at more than 36 million Mastercard locations worldwide.
Each card features a distinctive notch design that makes it easier to find when you need it.

© Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC
† For additional information, please click the † symbols throughout this page to view our credit card disclosures.
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1 For more information visit https://www.citizensbank.com/account-safeguards/unauthorized-transaction-policy.aspx.
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.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.
Credit cards are issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.