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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

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.

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 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.
Citizens Bank Cash Back Plus World Mastercard Pros & Cons
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

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

Does Citizens Bank Cash Back Plus World Mastercard have a signup bonus?

Citizens Bank Cash Back Plus World Mastercard doesn't offer a cash signup bonus.

Does Citizens Bank Cash Back Plus World Mastercard offer an annual loyalty bonus?

Citizens Bank Cash Back Plus World Mastercard 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
  • 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% .

Does Citizens Bank Cash Back Plus World Mastercard have an introductory APR offer on balance transfers?

Yes, Citizens Bank Cash Back Plus World Mastercard offers an introductory 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 introductory APR offer on new purchases?

Citizens Bank Cash Back Plus World Mastercard does not offer an introductory rate on new purchases.
Citizens Bank Cash Back Plus World Mastercard Purchase Intro Offer
Description

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 have a foreign transaction fee?

Citizens Bank Cash Back Plus World Mastercard does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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.

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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