CashBack Platinum MasterCard®

CashBack MasterCard

Get the most for your purchases. Earn unlimited cash back with the Citizens Bank CashBack Platinum MasterCard®.

  • Earn additional cash back for the first 90 days after account opening1
    • 5% cash back on gas, grocery and drug store purchases
    • 1% cash back on all other purchases
  • After 90 days, receive 1% cash back for all purchases
  • No annual fee

Rewards

  • Earn additional cash back for the first 90 days after account opening1
    • 5% cash back on gas, grocery and drug store purchases
    • 1% cash back on all other purchases
  • After 90 days, receive 1% cash back on all purchases
  • CashBack checks issued automatically in $50 increments

Introductory rate

  • 0% introductory APR on balance transfers for 12 billing cycles2, thereafter a 14.99%, 17.99% or 20.99%3, variable APR based on your creditworthiness

Security

  • Zero Liability protection against unauthorized purchases4
  • Identity Theft Resolution Services assists you with credit bureau notification and card replacement should you become a victim of identity theft5
  • Travel accident insurance5
  • Extended warranty protection doubles the original manufacturer’s or store brand warranty for up to one year5
  • Price Protection5

Built in benefits

  • 24/7 online account management
  • Up to 21-day grace period on all purchases6
  • Year-end summary statement
  • Balances count toward Circle Gold checking monthly combined balance

Frequently asked questions

Find answers to the most frequently asked questions about your Citizens Bank CashBack Platinum MasterCard®.

How much will I receive in CashBack Rewards?

Earn 5% cash back on gas, grocery and drug store purchases and 1% cash back on all other purchases for the first 90 days1 after account opening. After 90 days, receive 1% cash back on all purchases.

How do I redeem my CashBack reward points?

Every time you earn $50 in rewards, we will automatically send you a $50 check through the mail in your statement.

What does it cost to apply?

There are no application fees for applying.

How long will it take to process my application?

In most cases, it takes two weeks. However, in peak periods, it may take up to 30 days to process your application.

Is the information I submit on this application secure?

Yes. We use the highest form of Internet security technology. This ensures that the private and personal information you are submitting remains secure and confidential.

Will I receive some sort of confirmation after I submit the online application?

Yes. After you submit your application, a confirmation page will appear on your screen. It may take a few moments, so please do not interrupt your browser during this process.

Is there an annual fee for the card?

No. You won't be charged an annual fee for the Citizens Bank CashBack Platinum MasterCard®.

What Platinum benefits do I get?

The purchases you make with your card have Extended Warranty Coverage which doubles the protection on most manufacturers' warranties up to one year. Plus, you get Price Protection, Identity Theft Resolution Services, travel accident insurance protection and an optional year-end account summary statement. For more information, click here.

Can I manage my account online?

Yes. Simply enroll in Citizens Bank Credit Card Online Services. You can see recent and past statements, pay your credit card bill, check balances and more online. Enrollment is free and available 24/7.

Where is my card accepted?

You can use your card at millions of MasterCard® locations worldwide – including online. No card is accepted in more places.

How can I make balance transfers with my card?

It’s easy. Just use the Balance Transfer checks in your Welcome materials. You may also click here or contact our Customer Service Department at 1-800-684-2222 for more information.

Will any balance transfer(s) I make appear on my next statement?

Balance transfers can take up to four weeks to process. Continue to pay the minimum monthly payments on the accounts you designate until the balance transfer payments appear as credits on those accounts.

What if I ever have a question or concern about my card?

Simply contact the Customer Service Department at 1-800-684-2222, Monday through Friday from 7 a.m. to 1 a.m. EST or Saturday and Sunday from 7 a.m. to midnight EST.

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