Last Updated: 07/28/2025
Citizens Bank Cash Back Plus World Mastercard
Unaffiliated
in Credit Cards from Citizens Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
18.24% - 26.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
18.24% - 26.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
Citizens Bank Cash Back Plus World Mastercard Review
This 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.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.24% up to 26.24%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 4% balance transfer fee. Citizens Bank Cash Back Plus World Mastercard charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $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 Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, travel accident insurance, trip cancellation and interruption protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Citizens Bank Cash Back Plus World Mastercard
| The Good | The Bad |
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Citizens Bank Cash Back Plus World Mastercard FAQ
Does Citizens Bank Cash Back Plus World Mastercard have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Citizens Bank Cash Back Plus World Mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does Citizens Bank Cash Back Plus World Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.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
- Cell Phone 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 regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Citizens Bank Cash Back Plus World Mastercard has a variable purchase APR that ranges from 18.24% up to 26.24%. The card has a variable balance transfer APR that ranges from 18.24% up to 26.24%. It also has a variable cash advance APR of 27.24% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Citizens Bank Cash Back Plus World Mastercard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 18.24% - 26.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Citizens Bank Cash Back Plus World Mastercard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Citizens Bank Cash Back Plus World Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Citizens Bank Cash Back Plus World Mastercard have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Citizens Bank Cash Back Plus World Mastercard?
The customer service number for Citizens Bank Cash Back Plus World Mastercard is (877) 360-2472.
How do people rate the customer service and user experience of Citizens Bank Cash Back Plus World Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Citizens Bank Cash Back Plus World Mastercard report your account activity to credit bureaus?
Yes, Citizens Bank Cash Back Plus World Mastercard reports to the following credit bureaus:
- 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 build your credit.
Does Citizens Bank perform a hard credit pull?
Yes, Citizens Bank Cash Back Plus World Mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Citizens Bank Cash Back Plus World Mastercard
- Visit the website of Citizens Bank Cash Back Plus World Mastercard.
- 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Other Credit Cards from Citizens Bank
Rating not yet determined
Purchase APR
16.24% - 24.24%
Disclaimer popup with additional information
Balance Transfer APR
16.24% - 24.24%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.24% - 24.24%
Disclaimer popup with additional information
Balance Transfer APR
16.24% - 24.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
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-1000+100
No one recommends
Everyone recommends
Citizens Bank Cash Back Plus World Mastercard Community Reviews
Would you recommend Citizens Bank Cash Back Plus World Mastercard to your friends?
U
Anonymous
Jun 1, 2022
May or may not recommend
While this card provides cash back, when trying to access the card benefits, it is impossible. I am trying to find out if I qualify to file a claim using their Trip Insurance benefit. I have been given two different phone numbers to call and each time, 5 times, after entering my data, I get disconnected. If I try to call the number on the back of ...Show More
Showing 1 of 1 reviews
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