ADVERTISER DISCLOSURE
Citizens Bank Cash Back Plus™ World MasterCard®


Card Score
80   Good


On Citizens Bank's secure website



View Rates and Fees
Decent, simple flat rate cash back card
Rewards Rate Intro Bonus Value Regular APR Annual Fee

1.50%

N/A

14.99% - 22.99% (Variable)

$0

Pros
  • High rewards rate
  • No annual fee
  • 0% for 12 mos on transfers
  • No foreign transaction fee
Cons
  • Cash redeemable in $25 increments
Score
80
Terms and Conditions
78
CFPB Complaints
75
Problem Resolution
80
Billing and Payment
80
Customer Service
80
Rewards Quality
80
Expert Ranking
86
Card Details
  • Unlimited 1.5% cash back on every purchase with no rotating categories or enrollments to keep track of
  • 10% Purchase Bonus on your earned cash back rewards when you make at least one purchase every month for six consecutive months or more
  • 10% Relationship Bonus on your earned cash back rewards and Purchase Bonus when you direct deposit them in a Citizens Bank personal checking, savings or money market account
  • Take advantage of both bonuses to earn 1.8% cash back
  • 0% introductory A P R on balance transfers for 12 billing cycles, thereafter a 14.99%, 17.99% or 20.99%, variable A P R based on your creditworthiness
  • Variable purchase A P R of 14.99%, 17.99% or 20.99% applies from account opening based on your creditworthiness
  • No annual fee*No foreign transaction fees
  • No penalty A P R for late payments
  • Price Protection for 120 days from purchase
  • Concierge Services
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • Master
  • Rental Insurance for collision, loss or damage
  • Zero Liability Protection against unauthorized purchases
  • Travel accident and baggage delay insurance
  • 24/7 online account management
  • Make purchases using Apple Pay in-store and in-app with participating merchants
  • Up to 21-day grace period on all purchases
  • Balances count toward Circle Gold checking monthly combined balance
  • Year-end summary statement
Categories
Rewards Cash Back
On Citizens Bank's secure website View Rates and Fees

Our take

Decent, simple flat rate cash back card

Pros

  • High rewards rate
  • No annual fee
  • 0% for 12 mos on transfers
  • No foreign transaction fee

Cons

  • Cash redeemable in $25 increments
Score
80
Terms and Conditions
78
CFPB Complaints
75
Problem Resolution
80
Billing and Payment
80
Customer Service
80
Rewards Quality
80
Expert Ranking
86

Card Details

  • Unlimited 1.5% cash back on every purchase with no rotating categories or enrollments to keep track of
  • 10% Purchase Bonus on your earned cash back rewards when you make at least one purchase every month for six consecutive months or more
  • 10% Relationship Bonus on your earned cash back rewards and Purchase Bonus when you direct deposit them in a Citizens Bank personal checking, savings or money market account
  • Take advantage of both bonuses to earn 1.8% cash back
  • 0% introductory A P R on balance transfers for 12 billing cycles, thereafter a 14.99%, 17.99% or 20.99%, variable A P R based on your creditworthiness
  • Variable purchase A P R of 14.99%, 17.99% or 20.99% applies from account opening based on your creditworthiness
  • No annual fee*No foreign transaction fees
  • No penalty A P R for late payments
  • Price Protection for 120 days from purchase
  • Concierge Services
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • Master
  • Rental Insurance for collision, loss or damage
  • Zero Liability Protection against unauthorized purchases
  • Travel accident and baggage delay insurance
  • 24/7 online account management
  • Make purchases using Apple Pay in-store and in-app with participating merchants
  • Up to 21-day grace period on all purchases
  • Balances count toward Circle Gold checking monthly combined balance
  • Year-end summary statement
Categories
Rewards Cash Back



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