Explore the benefits waiting for you
Citizens Mastercard® debit cards come with convenience and security, but they also put even more benefits in your wallet.
Instacart+ savings
Get 3 months of Instacart+ grocery delivery on us. Available to new Instacart+ customers between September 1, 2025 - January 31, 2027.
Citizens Live® VIP perks
Citizens cardholders enjoy skip-the-line entry and access to presale tickets to some of the most iconic live entertainment venues.
Commuter benefits
Tap your Citizens Mastercard® to pay your transit fare at the turnstile and get $2.50 when you spend $10 or more at participating locations. No enrollment required.1
Tap to pay with your digital wallet
Speed through checkout in-store, online or in-app† when you add your debit card to your digital wallet on your mobile device. We've got your back with 24/7 fraud monitoring and Zero Liability† protection, so you're not responsible for unauthorized transactions that are reported promptly. Find out more here.
Citizens Debit Card FAQ
Enjoy many perks automatically, including Citizens Live. Some perks might need a quick sign-up though, so it's best to check with the vendor.
You can take advantage of all your debit card perks simultaneously. No need to choose just one!
Yes, these perks are in addition to any offer you may receive.
Yes, joint account holders are eligible for all debit card perks but the Instacart+ benefit is valid for only one Citizens Mastercard debit card per Instacart+ account.
© Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC
1 Open only to individuals with an eligible U.S., México, Puerto Rico, Dominican Republic, Jamaica, Argentina, and Chile-issued Mastercard credit or debit cards AND select U.S.-issued Mastercard prepaid cards. Ends 12/31/27. Use your eligible Mastercard credit, debit or prepaid card to make a contactless public transit purchase (initiated at point of entry) to processes a minimum of $10 in contactless transactions within any given calendar month and receive a $2.50 statement credit. Public transit is defined as rail system for Port Authority Trans-Hudson (PATH); bus and light rail system for New Jersey Transit Corporation (NJ Transit); bus and subway for Washington Metropolitan Area Transit Authority (WMATA); bus and streetcar for Dallas Area Rapid Transit (DART); bus, subway and metro for Chicago Transit Authority (CTA), Pace Suburban Bus (PACE), Miami-Dade County Department of Transportation and Public Works (DTPW), and Southeastern Pennsylvania Transportation Authority (SEPTA); and bus, subway and ferry for Massachusetts Bay Transportation Authority (MBTA). Purchase transactions involving 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, visit https://www.mastercard.us/content/dam/public/mastercardcom/na/us/en/documents/mastercard-transit-benefit.pdf. For full Terms & Conditions, visit https://mastercard.com/transitbenefit. Terms subject to change.
Sponsor: Mastercard International Incorporated, 2000 Purchase Street, Purchase, NY 10577
† For additional information, please click the † symbols throughout this page to view our checking disclosures.
Mastercard disclosure: Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Contactless Disclosure: The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.