The Citizens Private Client™ World Elite Mastercard® offers a blend of exclusive rewards and premium benefits, catering specifically to Private Client Checking customers of Citizens Bank. This card provides a superior cashback rate along with unique privileges designed to elevate everyday spending and global travel experiences.

From priority lounge access to a 24/7 concierge service, this card extends beyond the usual credit card perks, setting a high bar for premium financial tools. Eligible members can enjoy tailored financial benefits with added comfort and convenience, making it a prime choice for clients looking for both exclusivity and functionality.

Key information about the credit card

How does the annual fee work?

The annual fee for the Citizens Private Client™ World Elite Mastercard® is set at $195. However, for those who qualify as Private Client Checking customers, this fee is completely waived, offering a valuable incentive to eligible clients.

The exemption from the annual fee enhances the overall value proposition of the card, removing a common barrier associated with premium credit cards. By waiving the fee, Citizens Bank allows its Private Clients to access extensive benefits without the added annual expense.

How is the credit limit determined?

The credit limit for the Citizens Private Client™ World Elite Mastercard® is determined by evaluating various financial factors. Typically, Citizens Bank considers the applicant’s credit history, income level, and spending behavior.

For conventional credit cards like this, the bank assesses these factors to set an appropriate limit that aligns with the client’s financial capacity. Unlike prepaid or secured cards, where clients set their limit based on deposits, this Mastercard operates as a traditional credit card, with the bank dictating limits based on a thorough analysis.

Advantages of the credit card

• Unlimited 2% cashback on every purchase, simplifying rewards with no rotating categories or point calculations.
• Priority Pass lounge access with two complimentary lounge visits per year, providing a peaceful escape in over 1,600 airports worldwide.
• Global Entry & TSA PreCheck® credit up to $120, ensuring smoother international travel with streamlined security.
• World Elite Concierge Service available 24/7, assisting with bookings, reservations, and personal requests at any time.
• Annual fee waiver for Private Client Checking members, saving $195 annually.
• Enhanced security and fraud protection to safeguard transactions and personal information.

Standout advantage

One standout feature of the Citizens Private Client™ World Elite Mastercard® is its unlimited 2% cashback on all purchases. This benefit ensures that cardholders can maximize their earnings on every transaction, without needing to track categories or calculate points. The simplicity of a flat cashback rate, combined with no cap on earnings, makes it particularly appealing for frequent spenders who want straightforward rewards on daily purchases and travel expenses.

Disadvantages

• High eligibility requirements, limiting accessibility to Private Client Checking customers.
• Annual fee for non-Private Client Checking customers, which could deter those who don’t qualify for a waiver.
• Limited lounge access, with only two complimentary visits per year, which may fall short for frequent travelers.
• Not accessible for all financial profiles, as it requires a thorough credit assessment and generally high financial standing.

A standout disadvantage

The main drawback of the Citizens Private Client™ World Elite Mastercard® lies in its exclusive eligibility requirements. This card is strictly available to Citizens Private Client Checking customers, meaning that those without this type of account cannot access the card’s perks. While this exclusivity adds value to the Private Client Checking tier, it also limits the card’s availability to a broader audience who might benefit from its features.

Who can apply for this card?

The Citizens Private Client™ World Elite Mastercard® is tailored specifically for Private Client Checking customers, making it an exclusive offer. To qualify, applicants must be Private Client Checking account holders at Citizens Bank, generally requiring a certain level of financial status and a stable credit history. The bank assesses factors like the applicant’s income, creditworthiness, and account status.

Since this card is designed for high-net-worth individuals, it is not accessible to those with poor credit or low financial standing, nor is it recommended for individuals seeking quick approval without a stable financial profile. Applicants are expected to provide proof of income and meet Citizens Bank’s eligibility criteria to finalize their application.

How to apply for the Citizens Private Client™ World Elite Mastercard®

For the website

The first step to apply for the Citizens Private Client™ World Elite Mastercard® is through the Citizens Bank website. Applicants can log in to their existing Private Client Checking account to start the process, where they will be guided to a secure application form. After verifying their account and eligibility, applicants can fill out the required information, including personal details and financial information.

The website interface is user-friendly, making it simple for customers to review the card benefits and submit their application in just a few clicks. Once submitted, the bank typically processes the application within a few business days, updating the applicant via email on the approval status.

Through the app

Citizens Bank also allows Private Client Checking customers to apply for the World Elite Mastercard® via the Citizens Bank mobile app. The app, available on both iOS and Android, features a streamlined application process. Once logged in, customers can navigate to the credit card section, select the World Elite Mastercard®, and begin the application.

The app automatically pre-fills known information, making the process quicker and more convenient. In-app notifications keep users informed about their application status, and once approved, clients can activate and manage their card directly from the app, taking advantage of its digital features like transaction monitoring and reward tracking.

At the branch

For clients who prefer an in-person experience, Citizens Bank branches offer an opportunity to apply for the Citizens Private Client™ World Elite Mastercard® with the guidance of a personal banker. During the visit, customers can discuss their eligibility and requirements, gaining a comprehensive understanding of the card’s features and how it aligns with their financial goals.

The banker can assist with the application, explaining each section and helping with any questions. Applying in person also allows customers to explore other bank products that may complement their credit card, creating a cohesive financial strategy. After submitting the application, clients typically receive feedback on their approval status within a few business days.