Last Updated: 07/28/2025
Citizens Bank Wealth 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)
16.24% - 24.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
16.24% - 24.24%(Verified 06/21/2024)
Credit Score Range
650 - 850
Annual Fee
$0
Citizens Bank Wealth Cash Back Plus World Mastercard Review
This is a cashback credit card issued by Citizens Bank. If you're wondering whether Citizens Bank Wealth 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.
- APRs: Citizens Bank Wealth Cash Back Plus World Mastercard has a variable regular purchase APR that ranges from 16.24% up to 24.24%.
- 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 Wealth 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 extended warranty protection on purchases, identity theft protection, 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 Wealth Cash Back Plus World Mastercard
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Citizens Bank Wealth Cash Back Plus World Mastercard FAQ
Does Citizens Bank Wealth Cash Back Plus World Mastercard have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Citizens Bank Wealth 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 Wealth Cash Back Plus World Mastercard has a variable purchase APR that ranges from 16.24% up to 24.24%. The card has a variable balance transfer APR that ranges from 16.24% up to 24.24%. 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 Wealth 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 | 16.24% - 24.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 Wealth 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 Wealth Cash Back Plus World Mastercard?
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| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 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 Wealth 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 Wealth Cash Back Plus World Mastercard?
The customer service number for Citizens Bank Wealth Cash Back Plus World Mastercard is (877) 360-2472.
What is the login page for Citizens Bank Wealth Cash Back Plus World Mastercard?
You can access the login page of Citizens Bank Wealth Cash Back Plus World Mastercard here.
How do people rate the customer service and user experience of Citizens Bank Wealth 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 Wealth Cash Back Plus World Mastercard report your account activity to credit bureaus?
Yes, Citizens Bank Wealth 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 Wealth 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 Wealth Cash Back Plus World Mastercard
- Visit the website of Citizens Bank Wealth 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.
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