Earn 1.8% cash back on everything you buy†

Yes, everything. That means your earning potential is unlimited.

Get Pre-qualified^
Tapping their Citizens Cash Back World Mastercard at checkout
The Citizens Cash Back World Mastercard credit card

Citizens Cash Back Plus® World Mastercard®

Earn 1.8% cash back on everything you buy. Yes, everything. And pay no annual fee*. Plus, if you have a Citizens Quest® Checking account, you can boost your rate to 1.9% cash back. That's how unlimited earning potential can get even higher.

*Important information about rates, fees, and cash back eligibility

Get Pre-qualified^

Earn more with CitizensPlus®

When you have a Citizens Quest® Checking account, you'll earn more rewards that come automatically with our CitizensPlus® program. Get 1.9% cash back, with all the same benefits — no rotating categories and no annual fee.

Credit card features & benefits

Cash back

  • 1.8% cash back on everything you buy, with no limit on how much you can earn.†
  • No rotating categories to enroll in or keep track of.
  • Easily track and redeem your cash back rewards by logging on to Credit Card Online.

Savings & perks*

  • No annual fee.
  • 0% introductory APR on balance transfers for the first 12 billing cycles, thereafter #ProductLine=CreditCard|Brand=citizensbank|ProductName=Citizens Cash Back Plus World MasterCard|RateName=Introductory APR|ProductAttribute=RateValue# to #ProductLine=CreditCard|Brand=citizensbank|ProductName=Citizens Cash Back Plus World MasterCard|RateName=Foreign transaction fees|ProductAttribute=RateValue# variable APR based on your creditworthiness.
  • No penalty APR for late payments.

Security & protection

  • Extended Warranty Protection doubles the original manufacturer's or store brand warranty for up to two years.†
  • MasterRental Insurance for collision, loss or damage.†
  • ID Theft Protection gives you peace of mind 24/7. Mastercard services can detect and help you resolve ID theft events quickly.†
  • Trip Cancellation and Trip Interruption Insurance: Use your credit card to purchase your entire trip on a major airline, and you're eligible for reimbursement of non-refundable cancellation or change fees if you have to cancel your trip for a covered reason.†
  • Contactless Card technology protects your data and helps guard against credit card fraud.
  • Zero Liability Protection guards against unauthorized purchases made by phone, online, or in the store.†

Convenience

  • 24/7 online account management to make payments, set up account alerts, and much more.
  • Simply Tap and Go with our Contactless Credit Card for fast, easy and secure checkout wherever you see the contactless symbol.
  • Use Digital Wallets, including Apple Pay®, Samsung Pay®, and Google Pay™ to pay in store, online, and in app1.
  • 25-day grace period on all purchases made with your Cash Back Plus World Mastercard, when you pay your account balance in full by the due date.
  • Acceptance at more than 36 million Mastercard locations worldwide.
  • Experience exclusive Citizens Live perks like presale tickets and skip-the-line privileges at iconic music venues.

Ideas & insights

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Questions & answers

Have more questions? Get more answers in our full FAQs section.

    © Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC

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    † For additional information, please click the † symbols throughout this page to view our credit card disclosures.

    1 Wireless carrier, text and/or data charges may apply.

    Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

    Credit cards are issued by Citizens Bank, N.A.

    The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

    Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.

    Google Pay is a trademark of Google LLC. Google Pay works on Android devices running Android Lollipop 5.0 or above.

    Samsung Pay is a trademark of Samsung Electronics Co., Ltd.