New customer-first credit card continuum built for simplicity, financial stability, and goal realization

As part of its commitment to empowering customers at every stage of their financial journey, Citizens has launched a new suite of Mastercard credit cards designed to address the distinct financial needs and preferences of today’s consumers. Built on years of customers' insights and feedback, the new credit cards offer tailored features that range from establishing credit to maximizing rewards and lifestyle benefits. As customers grow in financial experience and credit strength, they can move seamlessly through a tiered continuum of cards, gaining access to enhanced rewards, higher limits, and premium benefits.

The expanded lineup builds on Citizens’ commitment to innovation, accessibility, and long-term financial well-being. Developed in collaboration with Mastercard, the suite sets a higher standard for simplicity and personalization, positioning Citizens to engage customers in more meaningful and impactful ways.

“We created this new suite by listening to our customers and designing cards that grow with them,” said Adam Boyd, Head of Lending at Citizens. “This launch with Mastercard is about more than just offering new options; it’s about delivering real tools to help customers build credit, manage spending, and unlock new opportunities. At Citizens, we are committed to being our customers’ true partner on their financial journey - offering the flexibility, support, and innovation they need to reach their goals.”

Whether a student taking their first steps toward financial independence, a young professional balancing everyday expenses, or an affluent cardholder looking to maximize their spending power, there’s now a Citizens credit card developed to support them. The newly launched suite of credit cards features a range of perks and benefits, including savings in everyday spending through offers from various partners, as well as access to extraordinary travel, dining, and entertainment experiences. New credit card options include:

Citizens Amp™ Mastercard^®: Build your foundation.

Perfect for those just starting their financial journey, Citizens Amp™ is a no-annual-fee card designed for individuals with limited or no credit history to help establish strong credit habits. Key features and benefits include:

• Access to learning tools, financial literacy content, and personalized support
• Opportunity for credit line increases and product upgrades after 6 months of positive credit behavior
• Rotating merchant offers (e.g., travel and entertainment discounts) through Mastercard Priceless^®

Citizens Spring™ World Mastercard^®: Power your progress.

Ideal for customers focused on managing and paying down debt, Citizens Spring™ offers flexible options with no annual fee and a competitive low APR. Key features and benefits include:

• Save on interest with a low introductory APR designed to help reduce existing debt
• Consolidate balances with an extended 18-month balance transfer window
• Access to World Mastercard^® benefits, such as Peacock, Lyft and Instacart, and Mastercard Priceless^® experiences

Citizens Summit™ World Mastercard^®: Reward your everyday spending.

Built for customers with active, eventful lives, Citizens Summit™ makes everyday spending more rewarding with no annual fee. Key features and benefits include:

• Unlimited 3% cash back on dining and groceries
• Unlimited 1.5% cash back on all other purchases
• Low introductory balance transfer offers
• Access to World Mastercard^® benefits, such as Peacock, Lyft and Instacart, Mastercard Priceless^® experiences

Citizens Summit Reserve™ World Elite Mastercard^®: Access even more rewards.

Designed for those looking to get more from their financial success, Citizens Summit Reserve™ offers premium rewards and exclusive travel and lifestyle perks. Key features and benefits include:

• Unlimited 3% cash back on dining, groceries, and entertainment (including streaming, ticketed events, museums, and sports venues)
• Unlimited 1.5% cash back on all other purchases
• Over $950 value in product features¹
• No foreign transaction fees and access to annual travel credits, including:
  • $120 Lyft annual statement credit ($10/month)
  • Up to $120 Global Entry/TSA PreCheck^® application credit
  • $140 airport lounge visit credits (4 visits)
  • $99 Priority Pass Digital Lounge Membership – Access membership to 1,700+ airport lounges worldwide for a premium travel experience
• World Elite Mastercard^® rewards and benefits that span travel, entertainment and lifestyle – including World Mastercard partners
• Access to a complimentary 24/7 Citizens Concierge service through World Elite Mastercard^®, acting as a personal assistant for travel, dining, and special requests worldwide

In addition, Citizens has introduced a new card designed specifically for Citizens Private Bank clients.

“At Mastercard, we’re proud to collaborate with Citizens on a credit card suite that reflects a shared commitment to empowering consumers through every stage of their financial journey,” said Julie Schanzer, Executive Vice President of U.S. Financial Institutions at Mastercard. “Through innovation and experiences intentionally designed for consumer needs, we’re delivering meaningful tools that help people build credit, manage spending, and unlock new possibilities in their everyday lives.”

Citizens is committed to providing secure and reliable payment solutions both in person and online. Over the last year, the bank has made significant investments to enhance its card solutions, including smarter credit analytics, a more seamless account opening process, and sustainable card manufacturing. All new cards feature recycled material and the Mastercard Touch Card feature, reinforcing the bank’s commitment to environmental sustainability and accessibility, in this case with unique, tactile notches — rounded for debit, squared for credit and triangular for prepaid — so anyone can identify their cards with just a touch. These innovations reflect Citizens’ dedication to delivering meaningful, modern, and purpose-driven financial tools. Building on this momentum, Citizens is also developing new commercial card solutions tailored to the evolving needs of middle market companies with a customizable product for growth-stage businesses expected to launch later this year.

As part of the launch, Citizens is honoring its longest-tenured colleague, Barbara Varone, a branch teller in Rhode Island, by featuring her name on sample cards and marketing materials. With more than 50 years of dedicated service, Barbara represents the enduring trust and commitment Citizens brings to every customer relationship.

To learn more or apply for Citizens’ new credit card options, please visit: https://www.citizensbank.com/credit-cards/overview

Existing Citizens credit card customers will not be required to convert to the new suite. While we’re no longer accepting new applications for legacy cards, we’re committed to supporting all current cardholders.

About Citizens Financial Group, Inc.

Citizens Financial Group, Inc. is one of the nation’s oldest and largest financial institutions, with $220.1 billion in assets as of March 31, 2025. Headquartered in Providence, Rhode Island, Citizens offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. Citizens helps its customers reach their potential by listening to them and by understanding their needs in order to offer tailored advice, ideas and solutions. In Consumer Banking, Citizens provides an integrated experience that includes mobile and online banking, a full-service customer contact center and the convenience of approximately 3,100 ATMs and approximately 1,000 branches in 14 states and the District of Columbia. Consumer Banking products and services include a full range of banking, lending, savings, wealth management and small business offerings. In Commercial Banking, Citizens offers a broad complement of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as loan syndication, corporate finance, merger and acquisition, and debt and equity capital markets capabilities. More information is available at www.citizensbank.com or visit us on X, LinkedIn or Facebook.

The information about the costs of each card described in this press release are accurate as of 06/12/2025. This information may have changed after that date. To find out what may have changed, call us toll-free at 800-684-2222 or write us at Credit Card Services, P.O. Box 7092, Bridgeport, Connecticut 06601-7092.

¹Features and rules subject to change without notice. Restrictions may apply. See website for terms and additional information.

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