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5 Things to Know About Citizens Bank Cash Back Plus
5 Things to Know About the Citizens Bank Cash Back Plus Credit Card
The card offers a flat 1.8% cash back and a lucrative first-year bonus. But there are cards that earn higher ongoing flat rates.Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
Updated · 1 min read Written by Lead Writer & Content Strategist + more + more Edited by Managing Editor Co-written by SOME CARD INFO MAY BE OUTDATEDThis page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer.
» Editor's note
» The Citizens Bank Cash Back Plus® World Mastercard® is no longer open to new applicants. It was effectively replaced by the Citizens Summit World Mastercard, which made its debut along with multiple other Citizens Bank credit cards in June 2025. The Citizens Bank Cash Back Plus® World Mastercard® is no longer open to new applicants. It was effectively replaced by the Citizens Summit World Mastercard, which made its debut along with multiple other Citizens Bank credit cards in June 2025. Citizens Bank Cash Back Plus® World Mastercard® The Citizens Bank Cash Back Plus® World Mastercard® is ideal for those who value simplicity. The card's flat cash-back rate of 1.8% on all purchases puts it ahead of a slew of cards that earn a more typical standard of 1.5%. Citizens Bank Cash Back Plus® World Mastercard® However, there are cards that earn more lucrative flat-rate rewards. Before you join the cash-back crowd, here are five things to know about the Citizens Bank Cash Back Plus® World Mastercard®. Citizens Bank Cash Back Plus® World Mastercard® » MORE: What is Citizens Bank? » MORE:1. It earns a flat rate on all purchases
Apply now Apply now Read Review On an ongoing basis, the card offers a base rate of 1.8% on every purchase, all the time. This means that there are no rotating categories or spending caps to keep track of. The amount of cash back you can earn is unlimited, so using the Citizens Bank Cash Back Plus® World Mastercard® will get you the 1.8% discount every time you shop. Citizens Bank Cash Back Plus® World Mastercard® That flat rate is notably higher than what you’ll get from similar cards on the market, like the Capital One Quicksilver Cash Rewards Credit Card or the Bank of America® Unlimited Cash Rewards credit card, which offer just 1.5% back. However, a growing number of flat-rate competitors will out-earn the Citizens Bank Cash Back Plus® World Mastercard®. Capital One Quicksilver Cash Rewards Credit Card Bank of America® Unlimited Cash Rewards credit card Citizens Bank Cash Back Plus® World Mastercard® The Wells Fargo Active Cash® Card, for example, pays an unlimited 2% cash back on all purchases. It also comes with a sign-up bonus as well as an introductory APR offer for purchases and balance transfers. Wells Fargo Active Cash® Card » LEARN: When a 1.5% cash-back credit card beats 2% cash back » LEARN: ? Nerdy Tip If you have a Citizens Quest checking account, you can earn 1.9% back instead of 1.8%.2. New cardholders can earn a solid introductory bonus
As of April 2023, the Citizens Bank Cash Back Plus® World Mastercard® is offering an introductory bonus: Earn $150 once you spend $500 in the first three months. Citizens Bank Cash Back Plus® World Mastercard® This is a solid bonus, but other cards offer a higher rewards rate and a higher bonus. For example, the Wells Fargo Active Cash® Card offers this bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Wells Fargo Active Cash® Card Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. » MORE: NerdWallet's best cash-back credit cards » MORE:3. It comes with an introductory balance transfer offer
Cardholders get a 0% APR on balance transfers for 15 billing cycles, and then the ongoing APR of 20.74% - 28.74% (as of May 2023). This interest-free period can make it less costly to transfer over and pay down debt from a higher-interest card. Note, though, that there’s a balance transfer fee of 4% of the amount of each transfer or $10, whichever is greater, so it’s important to do the math before transferring a balance to this card.4. You’ll get a break on fees
The Citizens Bank Cash Back Plus® World Mastercard® won’t cost you anything to carry. An annual fee of $0 can make it easier to hold onto a card for longer, which can in turn positively impact your credit scores. Citizens Bank Cash Back Plus® World Mastercard® Plus, the card doesn’t charge any foreign transaction fees, making it a winner for overseas travelers. Additionally, those who might not get their card payments in on time will get a little relief. You'll get hit with a late fee, but you won't be subject to a penalty APR. » LEARN: How does a late payment affect your credit? » LEARN:5. Your cash back might be tied up
Earning rewards with the card can be easy, but redeeming them is a little less so. Rewards can be redeemed as a statement credit on your card or as a direct deposit into your Citizens personal checking, savings or money market account — but earnings must be cashed out in increments of $25. While minimum redemption requirements are common on cash-back cards, often it's just a baseline dollar threshold you must meet in order to cash out all your rewards (or as many as you'd like). But this card's requirement is more restrictive than that. For example, if you've earned $80 in rewards with the Citizens Bank Cash Back Plus® World Mastercard®, you don't have immediate access to that full amount. You can cash out $25, $50 or $75 — or wait until you hit $100 — but you can't cash out at $80. Citizens Bank Cash Back Plus® World Mastercard® » MORE: Beware of minimum redemption requirements » MORE: About the authors Funto Omojola Funto Omojola is a writer at NerdWallet. Funto's work has been featured in MarketWatch, Yahoo Finance and Nasdaq. See full bio. Robin Saks Frankel Robin is a former credit cards writer for NerdWallet. Her work has been featured by The New York Times, USA Today, Business Insider and other media outlets. See full bio. Helpful resources Best Cash Back Credit Cards Best Travel Credit Cards Best Balance Transfer Credit CardsFind the right credit card for you.
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