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About Our Ratings
Credit Needed
Excellent

Citizens Bank Cash Back Plus® World MasterCard® Review

Pros & Cons

  • The Citizens Bank Cash Back Plus® World MasterCard® offers a flat 1.5% back on all purchases with the chance to earn bonuses if you're a Citizens Bank account holder and/or meet purchases thresholds.
  • Enjoy 0 interest on balance transfers for the first 15 billing cycles.
  • Feel free to use your card while abroad &dash you won't pay any foreign transaction fees.
  • The 0 interest intro period is nice, but keep in mind that intro period is for balance transfers only and doesn't include new purchases.

Top Features

Cashback on Gas
1.5%
Cashback on groceries
1.5%
Cashback on other
1.5%
Annual Fee
None

This card compared to other cash back cards

Card Name
Citizens Bank Cash Back Plus® World MasterCard®
Cashback on Gas
1.5%
Unlimited 1.5% cash back
5%
Cashback on Groceries
1.5%
Unlimited 1.5% cash back
1%
Cashback on other
1.5%
Unlimited 1.5% cash back
5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam's Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
N/A
APR:
0% Intro APR on Purchases
Period:
15 months
APR:
0%
Period:
12 months
Purchase APR
14.99%, 17.99% or 20.99% (Variable) 
14.24%-23.24% Variable 
11.24% - 23.24% Variable 
CardRatings.com Editorial Staff

Citizens Bank Cash Back Plus® World MasterCard® details

Balance Transfer Intro APR:
0.00% introductory APR for the first 15 billing cycles from date of account opening
Balance Transfer Intro Period:
15 billing cycles
Purchase Intro:
APR:
N/A
Purchase APR:
14.99%, 17.99% or 20.99% (Variable)
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 LIBOR
 LIBOR
 LIBOR
Margin:
 13.99%, 16.99% or 19.99% (See Notes)
 13.99%, 16.99% or 19.99% (See Notes)
 21.74% (See Notes)
APR:
  14.99%, 17.99% or 20.99% (Variable)
 14.99%, 17.99% or 20.99% (Variable)
 22.74% (Variable)
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 0.00% introductory APR for the first 15 billing cycles from date of account opening
 N/A
Intro Period:
 N/A
 15 billing cycles
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 None
Late Fee:
 Up to $38
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either $10 or up to 4% of the amount of each transfer, whichever is greater  


Notes:

Rebate Description:
 Unlimited 1.5% cash back on every net purchase with no rotating categories or enrollments to keep track of.
Special Notes:
 APRs are as stated per Citizens Bank website: The APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the LIBOR Index to a margin of 13.99, 16.99, or 20.99 percentage points. The APR for Cash Advances is determined monthly by adding the Index to a margin of 21.74 percentage points. Returned Payment Fee: None.
Credit Card More Information:

Card Issued By:
 RBS Citizens, N.A.
General Correspondence Address:
 73 Tremont Street
Card Type:
 MasterCard
Card Class:
 World
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good
Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • You could turn $200 into $400 with Cashback Match(TM). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam's Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO(R) Credit Scores for free on statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent/Good