The Citizens Cash Back Plus™ World Mastercard® is designed for individuals seeking a simple yet rewarding credit card that provides unlimited earning potential without the complexity of rotating categories or fees. With a flat 1.8% cash back on every purchase and no annual fee, this card offers consistent rewards for your everyday spending.

Additionally, customers who have a Citizens Quest® Checking account can boost their cashback rate to 1.9%, making it even more attractive for loyal Citizens Bank customers. Whether you’re shopping online, dining out, or traveling abroad, the Citizens Cash Back Plus™ World Mastercard® ensures that you earn rewards with every swipe.

Key information about the Citizens Cash Back Plus™ World Mastercard®

The Citizens Cash Back Plus™ World Mastercard® is a straightforward credit card that allows cardholders to earn 1.8% cash back on every purchase. There are no limits on how much you can earn, and there’s no need to worry about keeping track of spending categories. For those who have a Citizens Quest® Checking account, the cashback rate increases to 1.9%, making it even more rewarding.

This card also stands out for its lack of fees. Not only does it have no annual fee, but it also charges no foreign transaction fees, making it a great choice for international travelers. In addition, the card comes with a 0% introductory APR for balance transfers during the first 15 billing cycles, after which a variable APR of 21.24% to 29.24% will apply, depending on your creditworthiness.

How does the annual fee work?

One of the best features of the Citizens Cash Back Plus™ World Mastercard® is its $0 annual fee. This means you don’t have to worry about paying extra to maintain the card, making it a cost-effective option for those who want to earn cash back without any additional costs. The lack of an annual fee ensures that the rewards you earn aren’t offset by the costs of having the card, allowing you to maximize your cashback earnings over time.

How is the credit limit determined?

The credit limit for the Citizens Cash Back Plus™ World Mastercard® is determined based on several factors, including your credit score, income, and overall financial situation. When you apply for the card, Citizens Bank will evaluate your creditworthiness to decide your credit limit. Typically, applicants with higher credit scores and more stable financial histories will receive higher credit limits.

Credit card benefits 

• 1.8% cash back on all purchases: Earn 1.8% cash back on everything you buy with no caps or limits on how much you can earn. If you have a Citizens Quest® Checking account, your cashback rate increases to 1.9%.
• No annual fee: The card has no annual fee, making it a cost-effective option for long-term use.
• 0% introductory APR on balance transfers: Enjoy a 0% APR for the first 15 billing cycles on balance transfers, allowing you to pay down existing debt without interest. After the introductory period, a variable APR will apply.
• No foreign transaction fees: Make international purchases without worrying about additional costs, making this card ideal for travelers or online shoppers.
• Mastercard benefits: Enjoy a range of protections such as extended warranties, ID theft protection, and trip cancellation insurance.
• Contactless payments: Pay quickly and securely with contactless technology or use digital wallets like Apple Pay®, Google Pay™, and Samsung Pay®.

Unlimited cash back

One of the most significant advantages of the Citizens Cash Back Plus™ World Mastercard® is its unlimited 1.8% cash back on all purchases. Unlike many other credit cards that offer higher cashback rates only in specific categories or have limits on how much you can earn, this card offers a flat rate across all spending. This simplicity means you don’t have to track different spending categories or worry about earning caps.

Disadvantages

• No bonus categories: While 1.8% cash back on all purchases is competitive, some cards offer higher cashback rates in specific categories like dining, groceries, or travel. If your spending habits align with those categories, you may find a card with bonus categories more rewarding.
• No introductory bonus: Unlike many credit cards that offer a signup bonus after meeting certain spending requirements, this card does not have an introductory bonus offer, which may be a downside for those looking for an upfront reward.
• Variable APR: After the introductory period for balance transfers, the APR on this card can range from 21.24% to 29.24%, which is higher than average. Carrying a balance on this card can result in high-interest charges.

No bonus categories

One potential downside of the Citizens Cash Back Plus™ World Mastercard® is the lack of bonus categories. While 1.8% cash back on all purchases is a solid rate, some cards offer as much as 3% to 5% cash back in specific categories like dining, groceries, or gas. If you tend to spend more heavily in these areas, you might earn more rewards with a card that offers higher cashback rates in selected categories.

Who can apply for this card?

The Citizens Cash Back Plus™ World Mastercard® is available to U.S. residents who meet certain eligibility requirements. To apply, you must:

• Be at least 18 years old (19 in some states).
• Have a valid U.S. Social Security number or Tax Identification number.
• Meet the bank’s creditworthiness criteria, which typically requires a good to excellent credit score. This card may not be ideal for those with lower credit scores or limited credit histories.

The application process is straightforward, and you can apply online through the Citizens Bank website. Once approved, you’ll receive your card in the mail, and you can start earning cash back immediately.

How to apply for the Citizens Cash Back Plus™ World Mastercard®

Applying online

Applying for the Citizens Cash Back Plus™ World Mastercard® is easy and can be done entirely online. To start, visit the Citizens Bank website and click the “Apply Now” button. You’ll be asked to provide basic information, including your name, address, income, and Social Security number.

Once you submit your application, Citizens Bank will review your financial details and, if approved, you’ll receive your card in the mail within a few business days. After receiving your card, you can activate it online and begin using it to earn unlimited cash back on all your purchases.

In conclusion, the Citizens Cash Back Plus™ World Mastercard® is a great option for those looking for a simple, no-fee credit card that offers consistent cash back on every purchase. With no annual fee, no foreign transaction fees, and unlimited earning potential, this card is ideal for users who want to earn rewards without the hassle of managing rotating categories or tracking limits.