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 This offer is valid from June 1, 2024, through November 30, 2027. Each Luminary customer who uses a U.S.-issued Mastercard Small Business credit card (Eligible Mastercard Card) to purchase any annual or monthly Luminary Membership plan on the Luminary website during the offer period, whether for the first time, as an upgrade, or at renewal, will receive a 30% discount off the total price of such annual or monthly membership. This offer excludes digital wallet payments. This offer cannot be combined with any other discount or coupon. During the offer period, your discounted membership is set to automatically renew at the end of the membership year or month. Your membership will automatically renew at the then-current annual or monthly membership price with the 30% discount applied so long as your card on file is still an Eligible Mastercard Card. However, if you change(d) your card on file to a non-Eligible Mastercard Card or other credit card type, you will not receive the 30% discount at the time of renewal. You will have the option to update your payment method before your membership automatically renews. If your discounted membership is scheduled to expire after the offer period, then your membership will expire at the end of its term unless you elect to renew at the then-current annual or monthly membership price. If a member would like to cancel or change their membership they can do this in the Member portal or by emailing info@weareluminary.com seven (7) business days prior to the next billing cycle. Luminary does NOT offer refunds if you are charged and then want to change or cancel your membership plan. By redeeming this offer, you agree to the full Luminary terms; see additional terms that apply here. Offer is subject to change without notice. For full offer terms and conditions, please visit 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 Begins September 1, 2025 and ends January 31, 2027, subject to early termination. Eligible U.S. Mastercard® small business credit cardholders, and U.S. Mastercard® small business debit cardholders who are new Instacart+ subscribers can receive 3 months of free Instacart+. Eligible U.S. Mastercard® small business credit cardholders who are new or existing Instacart+ customers, and all U.S. Mastercard® small business debit cardholders who are new to Instacart+ as of September 1, 2025 can receive $20 off on their second qualifying order of $10 or more, each month. Must have an active Instacart+ membership paid for with an eligible card and complete one qualifying Instacart order each month. Service fees, other fees, taxes and/or tips may apply to deliveries. 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/mastercard-business.

⁶ 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.

⁷ 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.

⁸ Includes Emergency Card Replacement, Emergency Cash Disbursement, and Lost and Stolen Card

⁹ 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.

¹⁰ 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.