Citizens Business Mastercard® Guide to Benefits

Mastercard, Business Mastercard, Business Platinum Mastercard and Mastercard Easy Savings are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

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

¹ $325 is earned when you spend $5,000 in purchases in the first 90 days from account opening (50,000 bonus points) plus 3 points for every dollar spent, totaling 65,000 bonus points. 1.5% thereafter is earned for every dollar spent (3 points). Each point is worth .005 cents. Redemption values are 1.5% for all redemption options, however, gift cards and merchandise can vary slightly due to shipping costs or special offers. Purchases totaling a minimum of $5,000 must occur within 90 days of account opening in order to be eligible for bonus points. Meeting the $5,000 purchase threshold for bonus point eligibility varies based on account setup. For “Business-Earn” accounts, the purchase threshold will be met by the aggregate spend of all cards under the company, and the bonus points will be applied to the business account. For “Cardholder Earn” accounts, each individual card under the master account that reaches the $5,000 purchase threshold is eligible for bonus points; these bonus points will be posted to the individual account(s). 50,000 bonus points will be posted to your Everyday Points Business Mastercard statement within two billing cycles of your meeting the $5,000 purchase threshold, as detailed above. Accounts must be open and in good standing, both at the time of reaching the purchase threshold and at the time bonus points are posted to your account statement, in order to receive points. You are solely responsible for any taxes that may be owed as a result of rewards earned and/or redeemed under this card. Please consult your tax advisor. Citizens Bank, N.A. does not provide tax advice. Additional terms and conditions may apply.

² Variable APRs will vary with the market based on the Prime Rate. The Index is determined monthly, and it is the Prime Rate published in the northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month. If the first day of the preceding month is not a business day, the Bank will use the Prime Rate published on the next business day. We will determine your margin and APR based upon our review of your application and your credit history. If approved, your margin and APR will be shown on the Pricing Addendum, which will be provided with your credit card and your Agreement. This offer is only available on new accounts and if the business does not already have a Business Mastercard with Citizens Bank, N.A. The information about the costs of the card described in this application is accurate as of #ProductLine=CreditCard|Brand=citizensbank|ProductName=Citizens Cash Back Plus World MasterCard|RateName=Annual Fees|ProductAttribute=RateValue#. To find out what may have changed, call us at 866-248-4936.

³ HealthLock is an end-to-end analytics-driven platform that helps protect cardholders’ medical identities and data and monitors their medical claims for errors, fraud and overbilling.

HealthLock provides three plan levels:

• Medical Claim Monitor: Helps guard against medical fraud and privacy intrusions by monitoring medical data breaches, providing alerts and helping remediate medical fraud issues.
• Medical Claim Auditor: Organizes, tracks and audits all healthcare bills (24-month retroactive audit and ongoing auditing) in one place, verifying that all bills are accurate and identifying potential overcharges and insurance errors. This level includes everything from the previous plan.
• Medical Claim Saver: Provides access to medical bill negotiation with providers and insurance companies to potentially help reduce bills and reverse claim rejections. This level includes everything from the previous plan.

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 here.

⁴ As the leader in tax preparation, more federal returns are prepared with TurboTax than any other tax preparation provider. Visit turbotax.com/affiliate/mastercard1 for TurboTax product guarantees and other important information. Limited time offer for TurboTax applicable current tax year. Discount applies to TurboTax federal products only. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries.

⁵ Offer expires 9/30/2025. Eligible US Mastercard® small business credit cardholders , new to Instacart+, can receive 2 months of Instacart+ and $20 off on their second qualifying order of $10 or more, each month. Additional terms apply. For full terms and conditions please visit instacart.com/mastercard-business.

⁶ Valid until 9/30/2025. Bookings must be prepaid and made through booking.com/mastercardUS. to be eligible for this offer. To redeem, visit booking.com/mastercardUS, choose a property marked with the Mastercard label, and then select "Pay Now" using an eligible Mastercard credit card at checkout. The discount will be applied automatically at the time of prepayment and will vary based on the property and dates selected. The discount applies to the accommodation cost only and does not include any additional fees or taxes. All bookings are subject to availability and Booking.com's terms and conditions. Additional eligibility restrictions, exclusions, and terms apply.

⁷ 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 or call 1-800-MASTERCARD.

⁸ Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit mastercard.com/zeroliability. Contact your issuing financial institution for complete coverage terms and conditions or call 1-800-MASTERCARD for assistance. Applicable to U.S. cardholders only. Valid for Citizens Mastercard.

⁹ Includes Emergency Card Replacement, Emergency Cash Disbursement, and Lost and Stolen Card

¹⁰ Terms and conditions apply. Rebates currently available for qualifying eligible purchases. Participating merchants and rebate offers subject to change. You’ll receive Mastercard Easy Savings Program rebates on top of merchant discounts and your card rewards.

¹¹ Provided by New Hampshire Insurance Company, an AIG Company. Certain conditions, restrictions and exclusions apply. See the Mastercard Guide to Benefits for complete program details.