The Citizens Cash Back Plus™ World Mastercard® is an attractive option for those who prefer simplicity without compromising on rewards. Cardholders earn 1.8% cash back on all purchases, making it a great choice for everyday spending.
If you have a Citizens Quest® Checking account, your cash back rate increases to 1.9%, which adds further value to your purchases. Unlike many other credit cards, the Citizens Cash Back Plus™ offers no annual fee, and it doesn’t charge any foreign transaction fees, making it an excellent companion for international travelers.
Qualification requirements
To apply for this card, you typically need a good to excellent credit score, which generally falls within the range of 700 or higher. While specific requirements can vary depending on the issuer’s guidelines and your individual financial profile, maintaining a score in this range significantly improves your chances of approval. This card offers particular advantages for existing Citizens Bank customers.
If you already have a Citizens Quest® Checking account, you can unlock enhanced benefits, such as an increased cash-back rate, making this card an excellent option for maximizing rewards. With this account, you’ll be able to earn more cash back on eligible purchases, which can further elevate the overall value of the card.
Combining your banking services with this card can streamline your financial management while offering more lucrative rewards, especially for those committed to maintaining a higher credit score and utilizing Citizens Bank’s broader offerings.
Benefits
The Citizens Cash Back Plus™ World Mastercard® offers a range of valuable benefits in addition to its appealing cash-back rate. Unlike some other cards, cardholders don’t have to worry about rotating categories or enrolling in complicated reward programs to maximize earnings. This card provides straightforward rewards, making it a hassle-free option for everyday purchases.
Moreover, it comes with robust travel and purchase protections, making it ideal for frequent travelers or those planning large purchases. These protections include MasterRental Insurance, which covers rental cars, and Extended Warranty Protection, which extends the manufacturer’s warranty on eligible purchases.
ID Theft Protection offers an added layer of security, while Trip Cancellation and Interruption Insurance helps protect your investment in case of unforeseen events that disrupt travel plans. Together, these features make the Citizens Cash Back Plus™ World Mastercard® a well-rounded card that balances rewards with security and convenience.
Pros
The Citizens Cash Back Plus™ World Mastercard® has several advantages that make it stand out:
- 1.8% unlimited cash back on all purchases
- No annual fee
- 0% introductory APR on balance transfers for the first 15 months
- No foreign transaction fees
- – Compatibility with digital wallets
- Travel protection and purchase security features
Cons
While the card has many strong points, there are a few downsides:
- Limited reward redemption options (only available as bank deposits or statement credits)
- No automatic redemption, requiring cardholders to manually request their rewards
- Balance transfer fees of either $10 or 4%, whichever is greater.
How to apply
Applying for the Citizens Cash Back Plus™ World Mastercard® is a simple and convenient process that can be completed online. To get started, visit the Citizens Bank website, where you can find the application form. You’ll need to fill in your personal details, such as your name, address, and Social Security number, as well as provide your financial information, including your income and employment status.
As part of the application process, a credit check will be conducted to determine your eligibility. If your credit score meets the requirements (typically around 700 or higher), approval is often fast, allowing you to begin taking advantage of the card’s cash-back rewards right away. Once approved, you’ll receive your physical card, but in many cases, you can start using a digital version immediately to earn rewards on eligible purchases.
Is the card worth it after all?
For individuals seeking a straightforward and efficient cash-back card, the Citizens Cash Back Plus™ World Mastercard® stands out as an excellent option. It offers a flat 1.8% cash-back rate on all purchases, making it an ideal choice for those who prefer simplicity without the hassle of managing rotating categories or bonus rewards programs.
Additionally, the card has no annual fee and no foreign transaction fees, making it a cost-effective choice for both domestic and international use. The consistent cash-back rate ensures that you’re always earning at a competitive level, whether you’re shopping for groceries, dining out, or traveling abroad.
This makes the Citizens Cash Back Plus™ World Mastercard® particularly attractive for everyday purchases, offering value without complexity and with the added convenience of comprehensive protection benefits for both travel and major purchases.
Conclusion
The Citizens Cash Back Plus™ World Mastercard® is a user-friendly and rewarding card, ideal for individuals who appreciate simplicity and want to earn consistent cash back on every purchase. It features no annual fee and no foreign transaction fees, making it an excellent choice for both everyday spending and international purchases.
The card also includes a competitive introductory APR offer on balance transfers, adding extra value for those looking to consolidate debt or transfer balances from other cards. While it may not offer the elevated rewards rates of some premium cards, the flat 1.8% cash-back rate ensures that users earn reliable rewards without needing to track spending categories or enroll in complicated programs.
This combination of simplicity, value, and practical features makes the Citizens Cash Back Plus™ World Mastercard® a solid choice for users seeking a no-nonsense, everyday cash-back card.
