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Citizens Bank Cash Back Plus® World Mastercard® review

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Earn a generous cashback rate on all purchases.

  • Get this card if you want to earn cash back on everything you buy.
  • Pick something else if you want to earn accelerated cash back on select categories.
  • Apply with a good to an excellent credit score of 670 or higher.

Up to 1.8%

Cash back

$0

Annual fee

15.99%, 19.99%, or 23.99%

Purchase APR (variable)

0%

Intro balance transfer

for the first 15 billing cycles (then 15.99%, 19.99%, or 23.99% variable)

Details

Product NameCitizens Bank Cash Back Plus® World Mastercard®
Card typeMastercard
Annual fee$0
Purchase APR15.99%, 19.99%, or 23.99% variable
Balance transfer APR0% intro for the first 15 billing cycles (then 15.99%, 19.99%, or 23.99% variable)
Balance transfer fee$10 or 4% of the transaction, whichever is greater
Cash advance rate24.99% variable
Cash advance fee$10 or 3% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 21 days
Late payment feeUp to $39

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Citizens Bank Cash Back Plus® World Mastercard® can be an excellent cashback credit card if you don’t spend much on a particular category of purchases. Its cashback rate beats most similar cards and as a bonus, you get a long intro APR period on balance transfers.

However, don’t expect to earn a signup bonus of any kind.

Card benefits

  • Cash back.
    Earn unlimited 1.8% cash back on everything you buy. This is a solid rewards rate considering most similar credit cards offer a 1.5% cashback rate.
  • Intro APR period.
    Use your first 15 billing cycles to make 0% intro APR balance transfers. Once the intro period expires, your rate reverts to variable 15.99%, 19.99%, or 23.99%.
  • No foreign transaction fees.
    Incur no fees when you use your card abroad or when you use it to make online purchases with foreign merchants.

  • No annual fee.
    Earn cash back and save money on interest without paying an annual fee.

What to watch out for

  • No signup bonus.
    Don’t expect to earn a signup bonus of any kind using this card. Compare best credit card offers if that’s what you’re looking for.

How to apply for Citizens Bank Cash Back Plus® World Mastercard®

To apply for the card, you must be a US resident and at least 18 years old. Here’s how to apply:

  1. Visit the Citizens Bank website, locate the card under For You and then Banking & Credit Cards.
  2. Click Get started.
  3. Fill out the application form using your contact and residential information, your Social Security number and date of birth, your employment information and annual income and your monthly housing payment.
  4. Request a balance transfer or add an authorized user if you want to.
  5. Review the application form and submit.

Arm yourself with patience. Unlike other card providers where you can get an instant decision on your card application, here you could wait up to 10 business days to get an approval. If Citizens Bank needs additional information, it may take up to 30 days.

What credit score do I need?

It’s best to apply with a good to an excellent credit score of 670 or higher.

Compare cashback credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months months to pay off transfers.
TD Cash Credit Card
$150 after spending $500 in the first 90 days
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
$0
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
CardMatch™ from creditcards.com
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Credit One Bank® Visa® with Free Credit Score Access
N/A
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
$0 to $99
Get 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Credit One Bank® Unsecured Visa® with Cash Back Rewards
N/A
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
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Compare up to 4 providers

Bottom line

Consider this card if you want to earn a generous cashback rate on all purchases. In addition, you get one of the longest intro APR periods on balance transfers and purchases. But you won’t earn any signup bonuses.

If you think there could be a better option for you, compare credit cards until you find the right card for your needs.

Frequently asked questions

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