The Citizens Private Client™ World Elite Mastercard® is a top-tier credit card designed for those seeking premium travel perks, exclusive rewards, and seamless financial management. This card offers an impressive 2% cash back on all purchases, making it one of the most straightforward and rewarding options for high-spending individuals.
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In addition to its high rewards rate, the Citizens Private Client™ World Elite Mastercard® is packed with travel benefits, including credits for Global Entry and TSA PreCheck® fees and access to over 1,300 airport lounges worldwide. If you’re a frequent traveler or someone who values exclusive experiences, this card could be a perfect fit. Let’s dive into the details and explore whether this card meets your needs.
Key information about the Citizens Private Client™ World Elite Mastercard®
The Citizens Private Client™ World Elite Mastercard® is available exclusively to Citizens Private Client™ Checking customers. With no complex point systems or rotating categories, this card simplifies rewards by offering unlimited 2% cash back on every purchase. Whether you’re buying groceries, paying for travel, or dining out, you’ll consistently earn cash back on all your spending.
How does the annual fee work?
The Citizens Private Client™ World Elite Mastercard® has an annual fee of $195, but there’s good news for Private Client Checking customers—this fee is completely waived as part of their membership benefits. If you hold a Private Client Checking account, you can enjoy all the rewards and privileges of this premium card without paying the annual fee.
For individuals who don’t hold a Private Client Checking account, the $195 annual fee can be justified through the card’s travel perks and unlimited 2% cash back. However, if you qualify for the fee waiver by being a Private Client customer, this card offers an incredible value at no extra cost.
How is the credit limit determined?
The credit limit on the Citizens Private Client™ World Elite Mastercard® is determined by Citizens Bank based on your financial situation. Factors such as your credit score, income, and debt-to-income ratio play a significant role in determining your credit limit. This card is geared towards high-net-worth individuals, so higher credit limits are typically available to those with a solid financial profile.
Credit card benefits
- Unlimited 2% cash back on all purchases: Earn 2% cash back on every purchase without worrying about rotating categories or spending caps.
- Annual fee waiver for Private Client customers: The $195 annual fee is waived for Private Client Checking customers, adding significant value to the card.
- Priority Pass access: Get access to over 1,300 airport lounges worldwide, with two lounge fees waived per year, enhancing your travel experience.
- Global Entry and TSA PreCheck® credit: Receive up to $100 in rewards credit to cover your application fee for Global Entry or TSA PreCheck®, streamlining your airport experience.
- World Elite Concierge Service: Enjoy 24/7 personal assistance for booking reservations, purchasing event tickets, and managing other lifestyle needs.
- Premium travel protection: The card offers various travel-related benefits such as trip cancellation insurance, lost luggage reimbursement, and rental car insurance coverage.
2% cash back on everything
One of the standout features of the Citizens Private Client™ World Elite Mastercard® is its unlimited 2% cash back on all purchases. Unlike many other credit cards that have complex point systems or limit rewards to certain spending categories, this card simplifies things by providing a flat rate across the board. Whether you’re making large purchases or small ones, you’ll consistently earn 2% back on everything.
Disadvantages
- Requires a Private Client Checking account: This card is only available to customers who have a Citizens Private Client™ Checking account, which could be a barrier to entry for some individuals.
- $195 annual fee (without waiver): For those who don’t have a Private Client Checking account, the $195 annual fee might seem steep unless the travel and rewards benefits are fully utilized.
- Limited availability of premium perks: While the card offers some valuable travel perks, it may lack the luxury benefits found in other World Elite cards, such as complimentary hotel stays or extensive airline partnerships.
Requires private client checking account
The primary drawback of the Citizens Private Client™ World Elite Mastercard® is that it’s only available to individuals who have a Citizens Private Client™ Checking account. While this account offers various benefits, not everyone will qualify or want to open a new checking account just to access the card’s perks. For those who do not meet the qualifications for a Private Client Checking account, the $195 annual fee becomes a more significant consideration.
Who can apply for this card?
The Citizens Private Client™ World Elite Mastercard® is designed for high-net-worth individuals who hold a Citizens Private Client™ Checking account. To be eligible for this credit card, applicants must meet the bank’s requirements for Private Client status, which may include maintaining a minimum balance across various accounts or having a certain level of investment assets with Citizens Bank.
How to apply for the Citizens Private Client™ World Elite Mastercard®
Applying Online
The easiest way to apply for the Citizens Private Client™ World Elite Mastercard® is through Citizens Bank’s website. Simply navigate to the card’s page, click “Apply Now,” and fill out the online application form.
You’ll need to provide personal details such as your name, address, Social Security number, and information about your Citizens Private Client™ Checking account. Once you submit your application, you’ll typically receive a decision within minutes.
In-Person Application
If you prefer a more personal approach, you can apply for the card by visiting a Citizens Bank branch. A bank representative will guide you through the application process, answer any questions, and help verify your Private Client Checking status. This method also allows for a more personalized experience, where you can discuss your financial needs with a banker.
By Phone
Alternatively, you can apply for the Citizens Private Client™ World Elite Mastercard® by calling Citizens Bank’s customer service line. A representative will help you complete the application and provide any additional information you may need to finalize the process.
In conclusion, the Citizens Private Client™ World Elite Mastercard® offers a wide range of benefits, from unlimited 2% cash back on every purchase to premium travel perks like Priority Pass access and Global Entry credits.
While the card is only available to Private Client Checking customers, those who qualify can unlock tremendous value without paying an annual fee. For frequent travelers or high-spending individuals, this card is a smart choice for maximizing rewards and enjoying a suite of exclusive services.
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