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  Citizens Bank Cash Back Plus World Mastercard

Citizens Bank Cash Back Plus World Mastercard

in Personal Credit Cards from Citizens Bank

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Citizens Bank Cash Back Plus World Mastercard

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in Personal Credit Cards from Citizens Bank

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Highlights
Purchase APR  (Variable APR) 15.99% - 23.99%
Balance Transfer APR  (Variable APR) 15.99% - 23.99%
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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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 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 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 will have good approval odds if your credit score is above 650.
Pros & Cons of Citizens Bank Cash Back Plus World Mastercard
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.
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. You will receive 1.8% cash back on travel, dining, groceries, drugstore purchases, or any other 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

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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% .

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 up to 15 months.

Citizens Bank Cash Back Plus World Mastercard Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 15 months
Balance Transfer APR 15.99% - 23.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%

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?

The following fees apply:

  • 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

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 Citizens Bank Cash Back Plus World Mastercard customer service number is (877) 360-2472.

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.

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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Availability

  Available in 11 states
  • Connecticut
  • Delaware
  • Massachusetts
  • Michigan
  • New Hampshire
  • New Jersey
  • New York
  • Ohio
  • Pennsylvania
  • Rhode Island
  • Vermont

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $1.50
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Trip Cancellation Insurance
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 24.99%
Balance Computation average daily balances (including new purchases)
Purchase APR (Variable APR) 15.99% - 23.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 15.99% - 23.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
Card Network Mastercard

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