Citizens Bank Cash Back Plus World Mastercard Review

Citizens Bank Cash Back Plus World Mastercard is a cashback credit card issued by Citizens Bank. If you're wondering whether Citizens Bank Cash Back Plus World Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
• Competitive APRs. Citizens Bank Cash Back Plus World Mastercard has a variable purchase APR that ranges from 15.99% up to 23.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
• 4% Balance transfer fee. Citizens Bank Cash Back Plus World Mastercard charges a fee of up to 4% on balance transfers. For example, a balance of $1,000 could cost up to $40 in transfer fees. The minimum fee is $10.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, travel accident insurance, trip cancellation insurance, and fraud protection.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

The Good

The Bad

Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 15 months. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Identity Theft Protection. Travel accident insurance. Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere Citizens Bank Cash Back Plus World Mastercard is accepted. Citizens Bank Cash Back Plus World Mastercard reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a 4% balance transfer fee.

Is there a Citizens Bank Cash Back Plus World Mastercard cash back or rewards program?

Citizens Bank Cash Back Plus World Mastercard is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Citizens Bank Cash Back Plus World Mastercard you receive 1.8% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $18 back in cash.

Citizens Bank Cash Back Plus World Mastercard Rewards

Minimum rewards rate	1.8x
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Citizens Bank Cash Back Plus World Mastercard benefits?

Citizens Bank Cash Back Plus World Mastercard provides the following benefits:

• Auto Rental Collision Damage Waiver
• Extended Warranty Protection
• Trip Cancellation Insurance
• Zero fraud liability
• Travel Accident Insurance
• Cellular Telephone Protection
• Reports to major credit bureaus

What are the relevant APRs for Citizens Bank Cash Back Plus World Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Citizens Bank Cash Back Plus World Mastercard has lower than average purchase APRs.

Citizens Bank Cash Back Plus World Mastercard has a variable purchase APR that ranges from 15.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 23.99%. It also has a variable cash advance APR of 24.99% .

What are the fees for Citizens Bank Cash Back Plus World Mastercard?

The following fees apply to Citizens Bank Cash Back Plus World Mastercard:

• There is no overlimit fee

Citizens Bank Cash Back Plus World Mastercard Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	$0
Late Payment Fee	up to $39

Does Citizens Bank Cash Back Plus World Mastercard report your account activity to credit bureaus?

Yes, Citizens Bank Cash Back Plus World Mastercard reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Citizens Bank Cash Back Plus World Mastercard

• Visit the Citizens Bank Cash Back Plus World Mastercard website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.