Citizens Bank Cash Back Plus® World MasterCard®

Cash Back Plus

It’s simple. 1.5% cash back on your everyday purchases, plus the chance to earn up to 1.8% with our Purchase and Relationship Bonuses.

  • No limit to the amount of cash back you can earn
  • No rotating categories or enrollments to keep track of
  • No annual fee*

Unlimited cash back rewards

  • Unlimited 1.5% cash back on every purchase1 with no rotating categories or enrollments to keep track of
  • 10% Purchase Bonus on your earned cash back rewards when you make at least one purchase every month for six consecutive months or more2
  • 10% Relationship Bonus on your earned cash back rewards and Purchase Bonus when you direct deposit them in a Citizens Bank personal checking, savings or money market account3
  • Take advantage of both bonuses to earn 1.8% cash back

Introductory rate

  • 0% introductory APR on balance transfers for 15 billing cycles4, thereafter a 14.99%, 17.99% or 20.99%5, variable APR based on your creditworthiness

APR

  • Variable purchase APR of 14.99%, 17.99% or 20.99%5 applies from account opening based on your creditworthiness

Money-saving features

  • No annual fee*
  • No foreign transaction fees*
  • No penalty APR for late payments*

Shopping protection

  • Extended Warranty Protection doubles the original manufacturer’s or store brand warranty for up to two years6
  • Price Protection for 120 days from purchase6

World Card Travel Benefits

  • Concierge Services6
  • Trip Cancellation Insurance6
  • Trip Interruption Insurance6
  • MasterRental Insurance for collision, loss or damage6

Security features

Built-in benefits

  • 24/7 online account management
  • Make purchases using Apple Pay™ in-store and in-app with participating merchants
  • Up to 21-day grace period on all purchases8
  • Year-end summary statement
  • View your FICO® Score for free online.

Frequently asked questions

Find answers to the most frequently asked questions about your Citizens Bank Cash Back Plus® World MasterCard®.

How much will I receive in CashBack Rewards with Citizens Bank Cash Back Plus® World MasterCard®? 


Up to 1.8% cash back:
 • Unlimited 1.5% cash back on every purchase1 with no rotating categories or enrollments to keep track of
 • An additional 10% Purchase Bonus on your earned cash back rewards when you make at least one purchase every month for six consecutive months or more2
 • An additional 10% Relationship Bonus on your earned cash back rewards and Purchase Bonus that you select to redeem via direct deposit into a Citizens Bank personal checking, savings or money market account3
Take advantage of both bonuses to earn up to 1.8% cash back

How do I earn the Purchase Bonus?

Receive an additional 10% cash back on your earned cash back rewards when you make at least one purchase every month for 6 consecutive months. The 10% bonus will be received in the seventh month. After that, you will continue to receive this bonus as long as you continue to make one purchase each consecutive month. The subsequent bonus will be received monthly and will reflect the 10% bonus on earned cash back rewards from the previous month.2

How do I keep track of whether I am eligible to receive the Purchase Bonus?

Each month your statement will show a summary of the cash back rewards and bonuses you have earned. You can also enroll in Citizens Bank Credit Card Online Services. You will be able to view how many consecutive months you have made at least one purchase and whether you have received the 10% Purchase Bonus.

How do I earn the Relationship Bonus?

You will receive an additional 10% Relationship Bonus on the earned cash back rewards and Purchase Bonus that you select to redeem via direct deposit into a Citizens Bank personal checking, savings or money market account.3 If you do not currently have a Citizens Bank personal checking, savings or money market account you can open one today.

When can I redeem my reward points?

You are eligible to redeem your reward points in increments of 25 for $25 in cash back. You can redeem as a direct deposit into your Citizens Bank personal checking, savings, or money market account or as a Credit Card Statement Credit.

How do I redeem my reward points?

You are eligible to redeem once you reach 25 Reward Points. Reward Points are redeemable in increments of 25 and may be redeemable as a deposit into your Citizens Bank Deposit Account or a Statement Credit. You may redeem your Reward Points by submitting a request online at www.citizensbank.com/creditcard or contacting a customer service representative by telephone at 1-800-684-2222

What does it cost to apply?

There are no application fees for applying.

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 Cash Back PlusWorld MasterCard®.

What MasterCard benefits do I get?

Concierge Services, No Foreign Transactions Fees, Trip Cancellation Insurance, Lost or Damaged Luggage Insurance, Price Protection, Extended Warranty Protection, and MasterRental Insurance.6

Can I manage my account online?

Yes. Simply enroll in Citizens Bank Credit Card Online Services. You can view and review your 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.

 

Contact Information

For Credit Cards Call

1-888-333-5145

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