Pros and Cons of the Citizens Bank Cash Back Credit Card


Individuals want a reliable, everyday credit card that gives back every time they spend. With Citizens Bank, you can achieve this goal. This allows you to maximize your benefits while experiencing the flexibility the card has to offer. If you are looking for this type of credit card, the Citizens Bank Cash Back Credit Card might be a great choice for you.

First, the Citizens Bank Cash Back Plus World Mastercard allows unlimited rewards. Under this, cardholders will be given the chance to spend and cashback offers with the best protection. Besides this, Citizens Bank offers a host of benefits designed to cater to all types of individuals.

Interested in applying for this credit card today? Read on to find out more about it and how you can apply. Here’s what you need to know.

Citizens Bank Cash Back Credit Card Features

True to its name, the Citizens Bank Cash Back Plus World Mastercard provides unlimited cash back rewards on everyday purchases. Through this, cardholders can get 1.8% cashback on all eligible purchases.

Another great feature of this credit card is its money-saving facilities. The bank takes pride in removing fees and penalties, allowing you to reap the rewards for free. Some of the travel benefits you can avail under the World Mastercard offerings include Trip Cancellation Insurance, Trip Interruption Insurance, and MasterRental Insurance.

The best of all? Purchases and transactions are protected with their security features. With Citizens Bank, you are given Zero Liability Protection, ID Theft Protection, access to online account management, and many more benefits.

You will also be able to enjoy the fact that you don’t have to pay any annual fees or foreign transaction fees. Additionally, there is no limit on how much cashback you can receive from your purchases.

Citizens Bank Cash Back Credit APR, Interest Rate & Fees

  • Annual Fee – $0
  • APR – 16.99% to 24.99% variable APR for purchases and balance transfers (0% on balance transfers for 1st 15 billing cycles), 24.24% APR for cash advances
  • Balance Transfer Fee – $10 or 4% of the amount transfer, whichever is higher
  • Cash Advance Fee – $10 or 3% of the amount advanced, whichever is higher
  • Late Payment Fee – Up to $39
  • Foreign Transaction Fee – none

Citizens Bank Cash Back Credit Card Pros

The great thing about this credit card is its ability to provide unlimited 1.8% cashback offers on eligible spends. This means you can get this rate for everything you buy and there is no limit on the amount of cashback you can get. Another great benefit is that you are free from the nuisances of annual and foreign fees that other cards force on you.

Citizens Bank Cash Back Credit Card Cons

While the credit card offers a host of privileges, the card also comes with a couple of downsides. As a premium card, the APR charges may be higher than other cards on the market. Bear in mind that the APR that will be assigned to you will be based on your financial capabilities, so it is really up to you to earn the credit limit and rates that you desire.

Citizens Bank Cash Back Credit Card Eligibility

To qualify, you must be at least 18 years of age and must be a resident of the United States. You must also have a Social Security number to apply.

Other information that will be required by the bank includes personal information such as your date of birth, contact number, address, and monthly earnings. Employment information should also be disclosed.

Citizens Bank Cash Back Credit Card Application Process

The Citizens Bank Cash Back Plus World Mastercard application can be completed online. This can be accessed through the online application form found on the Citizens Bank website.

Individuals may also apply personally by going to the branch of Citizen Bank that is nearest to them.

Citizens Bank Cash Back Credit Card Limit

The credit card limit will be determined upon application. This varies from person to person depending on the applicant’s creditworthiness. The bank may increase or decrease the amount based on your credentials and ability to continue making payments on time.

Citizens Bank Address and Contact Information

For further help and guidance, you may contact the bank’s customer service at 1-800-684-2222 or 1-800-922-9999 at any time of the day. Otherwise, you may also reach the bank by going through a branch near you or making an appointment with their headquarters at One Citizens Plaza, Providence, RI 02903.

What Next?

The Citizens Bank Cash Back Plus World Mastercard offers a wide range of benefits such as cashback rewards and insurance coverages. With its excellent offerings, this card will be perfect for individuals who are looking to save more money. For more information and to jumpstart your application, head on over to the bank’s website at your earliest convenience.


Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.