The Citizens Cash Back Plus™ World Mastercard® offers a straightforward and rewarding cash back program with no annual or foreign transaction fees. Cardholders earn 1.8% cash back on every purchase, which can increase to 1.9% if you have a Citizens Quest® Checking account. This card is designed for individuals seeking simplicity and value, with added benefits such as extended warranty protection, MasterRental Insurance, ID Theft Protection, and more. It also offers a 0% introductory APR on balance transfers for the first 15 billing cycles. With 24/7 online account management and compatibility with digital wallets, this card provides convenience and security for everyday use.
Advantages of the card Citizens Cash Back Plus™ World Mastercard®
The Citizens Cash Back Plus™ World Mastercard® stands out for its straightforward cash back rewards. Cardholders earn an unlimited 1.8% cash back on all purchases, with no need to track rotating categories. If you have a Citizens Quest® Checking account, the cash back rate increases to 1.9%, enhancing your earning potential. Additionally, the card comes with no annual fee and no foreign transaction fees, making it an excellent choice for frequent travelers. The 0% introductory APR on balance transfers for the first 15 billing cycles is another notable benefit, followed by a variable APR of 21.24% to 29.24% based on creditworthiness.
Disadvantages of the card Citizens Cash Back Plus™ World Mastercard®
While the Citizens Cash Back Plus™ World Mastercard® offers many advantages, there are a few potential drawbacks. The variable APR after the introductory period can be high, depending on your creditworthiness. Additionally, the card does not offer a sign-up bonus, which may be a downside for those looking for an initial incentive. The cash back rewards, while competitive, are slightly lower than some other premium cash back cards on the market. Furthermore, to maximize the cash back rate at 1.9%, you must have a Citizens Quest® Checking account, which may not be ideal for everyone.
Extra features offered by Citizens Cash Back Plus™ World Mastercard®
The Citizens Cash Back Plus™ World Mastercard® comes with several valuable extra features. Cardholders benefit from Extended Warranty Protection, which doubles the original warranty for up to two years. MasterRental Insurance covers collision, loss, or damage for rental cars. ID Theft Protection provides peace of mind with 24/7 monitoring and resolution services. Travel benefits include Trip Cancellation and Trip Interruption Insurance, which covers non-refundable expenses in case of eligible trip cancellations. The card also features contactless payment technology for fast and secure transactions and is compatible with digital wallets such as Apple Pay®, Samsung Pay®, and Google Pay™.
Learn how to apply for your credit card Citizens Cash Back Plus™ World Mastercard®
Applying for the Citizens Cash Back Plus™ World Mastercard® is a straightforward process. Interested individuals can visit the Citizens Bank website to complete an online application. The site provides a secure platform to enter personal and financial information required for the application. After submission, you will receive a confirmation and can track the status of your application online.
Discover the main ways to apply for the card Citizens Cash Back Plus™ World Mastercard®
There are multiple ways to apply for the Citizens Cash Back Plus™ World Mastercard®. You can apply online through the Citizens Bank website, where you will find detailed instructions and the application form. Additionally, you can apply through the Citizens Bank mobile app, offering a convenient and secure way to submit your application on the go. For those who prefer a more personal touch, visiting a Citizens Bank branch to apply in person is also an option. Bank representatives are available to assist with the application process and answer any questions you may have.
Prerequisites for request
To apply for the Citizens Cash Back Plus™ World Mastercard®, applicants must meet certain prerequisites. You need to be a U.S. resident and at least 18 years old. A valid Social Security number and a good credit score are typically required to qualify for the card. Additionally, having a Citizens Quest® Checking account can increase your cash back rate, but it is not mandatory for applying.
From the site
Applying from the Citizens Bank website is simple. Navigate to the credit cards section, select the Citizens Cash Back Plus™ World Mastercard®, and follow the prompts to fill out and submit your application securely online.
From the site App
Using the Citizens Bank mobile app, you can apply for the Citizens Cash Back Plus™ World Mastercard® quickly and securely. The app provides a user-friendly interface to input your information and track your application status.
By agency
If you prefer face-to-face interaction, visit any Citizens Bank branch to apply for the Citizens Cash Back Plus™ World Mastercard®. Bank staff are available to guide you through the application process and address any concerns you may have.
The Citizens Cash Back Plus™ World Mastercard® is an excellent choice for those seeking a no-fee credit card with straightforward cash back rewards. Its unlimited 1.8% cash back on all purchases, increasing to 1.9% with a Citizens Quest® Checking account, offers significant value. The card also provides valuable perks such as extended warranties, travel insurance, and ID theft protection. Despite its higher post-introductory APR and lack of a sign-up bonus, the card’s comprehensive benefits and ease of use make it a strong contender in the cash back credit card market.
