The Citizens Spring World Master is a personal credit card from Citizens Spring World Master. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Variable APR ranging approximately from 16.24% to 26.24% after a 0% introductory rate for 18 months. Approval typically requires a credit score of 650-700 or higher. Rewards: None — focus is on low-rate financing for balance transfers. This product reports activity to your personal credit report. Ideal for carrying transferred balances interest-free for 18 months, offering extended repayment flexibility. Citizens Summit World Mastercard. BT Fee: Either $10 or 5% of the transfer amount, whichever is greater. Post-intro APR: Variable APR ranging approximately from 16.24% to 26.24%