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Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). All loans are subject to approval.

**Earn your cash back reward in the amount of $200 when you make $500 in eligible purchases with your new Citizens Cash Back Plus™ World Mastercard®, net of any returns, in the first 90 days after account opening. Plus, an additional cash back reward of up to $100 when submitting a TSA PreCheck® application utilizing your card in the first year of it being opened. The application fee must be charged to your Citizens Cash Back Plus™ World Mastercard®. To qualify, you must open a new Citizens Cash Back Plus™ World Mastercard® account between July 28, 2022 and September 7, 2022. All purchases must be posted to your account within the promotional period. Balance Transfers, money orders, gift cards, wire transfers, lottery tickets, gambling charges or unauthorized charges to your account are not considered eligible purchases The cash back reward will post to your account once all of the terms of the offer have been met. Your cash back reward will appear on your statement as “Spend Reward”. Your account must be open and in good standing at the time the cash back rewards are credited. The Cash Back Plus Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide with your Cardholder Agreement. The Reward Guide will explain the program, including the following: A) Earn cash back rewards of 1.8% on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards will not expire as long as your credit card account is in good standing and you make an eligible purchase once every twelve (12) months. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor. E) Other terms may apply and will be included in the Agreement.

NO PURCHASE OR LOAN NECESSARY. Void where prohibited. Open to legal residents of the United States and D.C. (including its territories), who are prospective students, enrolled, or intending to enroll as a college freshman on or before 9/14/22, on at least a half-time basis in an accredited undergraduate post-secondary institution. Sweepstakes begins at 12:01 AM ET on 06/01/22 and ends at 11:59 PM ET on 09/01/22. Sponsored by Citizens. See Official Rules for details.


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1At least one account holder must be under 25 years old. Account will switch to One Deposit Checking from Citizens TM when all account owners are age 25 or older.

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SpeciFi ℠ is made available through CSI. Portfolio management services are sub-advised by SigFig Wealth Management, LLC (“SigFig”), an SEC registered investment adviser. SigFig is not an affiliate of CSI, or Citizens Bank, N.A..

Citizens Wealth Management is comprised of both banking and brokerage affiliated companies.

Securities, Insurance and Investment Advisory Services offered through Citizens Securities, Inc. ("CSI"). CSI is an SEC registered investment adviser and Member - FINRA and SIPC. One Citizens Bank Way, JCB135, Johnston, RI 02919. CSI is an affiliate of Citizens Bank, N.A.

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