THE CARDTUNED DATABASE
Citizens Spring World Mastercard
Issuer: Citizens Bank · Network: Mastercard
No rewards; lowest-rate Citizens card
- Annual fee
- $0
- Foreign transaction fee
- 3% or $1.50, whichever is greater
- Intro APR
- 0% on balance transfers for first 18 billing cycles
- Regular APR
- 15.49%–25.49% variable APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
0% intro APR on balance transfers for the first 18 billing cycles
- Spending requirement
- Not applicable — balance-transfer/purchase APR promotion
- Time window
- the first 18 billing cycles
Offer last checked: 2026-09-05
Additional benefits
• 0% intro APR on eligible balance transfers for the first 18 billing cycles
• Lower-rate Citizens card positioned for carrying or transferring balances
• World Mastercard savings and protection benefits
• Contactless payment and digital account access
Restrictions to know
This card does not earn a standard rewards currency. The introductory rate applies only to qualifying balance transfers for 18 billing cycles; a variable APR applies afterward, and balance-transfer fees and current disclosure terms apply.
Who can apply
Public U.S. consumer prequalification/application; issuer approval required
Credit profile: Good–Excellent