Citizens Bank Cash Back Plus Card Reviews (2026)Reviews, rates, fees, and rewards details for The Citizens Bank Cash Back Plus™ World Mastercard®. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on balance transfersHigh rewards rateNo initial rewards bonusNo intro APR on purchasesBalance transfer feeForeign fee
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the Citizens Bank Cash Back Plus™ World Mastercard® may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 888-307-9565
The Citizens Bank Cash Back Plus™ World Mastercard® is a pretty good credit card for people with excellent credit or better (750+ credit score) who want a flat rewards rate that does not vary by spending category. The card is worth getting because it has a $0 annual fee and gives 1.8% cash back on purchases. You can even get a slightly higher rewards rate if you have a Citizens Quest Checking Account.
WalletHub Rating Breakdown
User Reviews
2.9/5
111 reviewsRead and write reviews
Editor’s Review
3.7/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.6
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards” for this card.
Fees
3.8
Rewards
3.0
Cost
4.3
Other Features
0.0
3.6/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit
Citizens Bank Cash Back Plus Card Annual Fee
$0
Citizens Bank Cash Back Plus Card APR on Purchases
18.24% - 28.24% (V)
Citizens Bank Cash Back Plus Card Balance Transfer
0% intro APR for 12 months, 18.24% - 28.24% (V) APR after that
Balance Transfer Fee:5% (min $10)
Citizens Bank Cash Back Plus Card Rewards
Earn 1.8% cash back on your everyday eligible purchases.
No limit to the amount of cash back you can earn.
Earn 1.9% cash back on your everyday eligible purchases when you have a Citizens Quest® Checking account.
Citizens Bank Cash Back Plus Card's Additional Info
Zero Liability protection against unauthorized purchases.
Extended Warranty Protection doubles the original manufacturer's or store brand warranty for up to two years.
Use Digital Wallets, including Apple Pay®, Samsung Pay™, and Google Pay™ to pay in store, online, and in app.
Mastercard ID Theft Protection, Trip Cancellation and Trip Interruption Insurance, and MasterRental Insurance for collision, loss, or damage.
The Citizens Bank Cash Back Plus™ World Mastercard® is a pretty good credit card for people with excellent credit or better (750+ credit score) who want a flat rewards rate that does not vary by spending category. The card is worth getting because it has a $0 annual fee and gives 1.8% cash back on purchases. You can even get a slightly higher rewards rate if you have a Citizens Quest Checking Account.
The card does not have a low interest rate, however – at least not for purchases. You need to pay the bill in full monthly to avoid expensive finance charges. Plus, the 0% balance transfer offer isn’t that attractive, considering the high fee that comes with it.
Even if you want to use your new card for the Citizens Bank Cash Back Plus™ World Mastercard®’s intended purpose – making everyday purchases and paying the bill in full monthly – there are several cards offering 2%+ cash back on all purchases. Some of them offer valuable initial bonuses, too. You’re better off trying one of them first.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.7
User Reviews
2.9
Market Comparison
3.6
fees: 3.8
rewards: 3.0
cost: 4.3
Other Features: 0.0
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.7
User Reviews
3.9
Market Comparison
4.0
fees: 2.1
rewards: 4.3
cost: 4.6
Other Features: 0.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.7
Market Comparison
4.2
fees: 5.0
rewards: 3.9
cost: 4.5
Other Features: 0.0
(111)
(1,618)
(444)
annual fee$0
annual fee$0 intro 1st yr, $95 after
annual fee$0
Purchase Intro APRNot Offered
Purchase Intro APR0% for 12 months
Purchase Intro APR0% for 12 months
transfer intro apr0% for 12 months|Transfer Fee:5% (min $10)
transfer intro apr0% for 12 months|Transfer Fee:3% (min $5)
transfer intro apr0% for 12 months|Transfer Fee:3% for the first 12 months, 4% at a promo APR that Capital One may offer you at any other time
Regular APR18.24% - 28.24% (V)
Regular APR19.49% - 28.49% (V)
Regular APR18.49% - 28.49% (V)
rewards rate 1.8% Cash Back
rewards rate 1 - 6% Cash Back
rewards rate 1 - 8% Cash Back
bonus offerNone
bonus offer As High As $300 Cash Back. Find Out Your Offer.
Can't find what you are looking for? Submit your question about Citizens Bank Cash Back Plus™ World Mastercard® to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You cannot apply for the Citizens Bank Cash Back Plus™ World Mastercard® right now, because applications for the card are no longer open at this point in time. The Citizens Bank Cash Back Plus Card has been unavailable to new applicants since June 2025. However, there are other cards available from Citizens Bank that you can apply for.
For more options, you can check out some of the best credit cards on the market here on WalletHub.
You cannot get a virtual credit card number for your Citizens Bank Cash Back Plus Card through Citizens Bank because it does not offer this service. You can, however, get a virtual card number for your Citizens Bank Cash Back Plus Card through Click to Pay instead.
To enroll in Click to Pay with a Citizens Bank Cash Back Plus Card, go to the Click to Pay website and click the “Enroll now” button. You can also just click the square icon with two arrows pointing to the right...
No, the Citizens Bank Cash Back Plus Card is not a chip-and-PIN card, it is a chip-and-signature card, instead. This means that while it has an embedded chip for added security, it primarily requires a signature for verification during transactions instead of a PIN.
However, if you plan on using your Citizens Bank Cash Back Plus Card for a cash advance at an ATM, then please note that a PIN will be required for that. You might also need a PIN if you travel abroad,...
The Citizens Bank Cash Back Plus™ World Mastercard® foreign transaction fee is 3% (min $1.5). This means Citizens Bank will add a 3% (min $1.5) surcharge anytime you use the Citizens Bank Cash Back Plus™ World Mastercard® outside of the United States. The fee also applies to online purchases made through an internationally-based merchant.
Credit Card Services P.O. Box 42010 Providence, RI 02940-2010
When paying Citizens Bank Cash Back Plus Card bills by mail, be sure to submit either a check or money order for the payment amount. Citizens Bank does not accept cash.
Tips for Mailing Citizens Bank Cash Back Plus Card Payments
Include your credit card number on your payment to avoid any processing delays.
Send only one check or money order per billing statement.
You can check your Citizens Bank Cash Back Plus Card application status by calling customer service at (888) 333-5145. When you call, you'll have to provide the last 4 digits of your SSN so that Citizens Bank can match you to your application. It should only take a few minutes to find out whether your application is approved, denied, or pending. Citizens Bank does not allow you to check your application status online.
The Citizens Bank Cash Back Plus Card covers lost or delayed luggage, accidents resulting in injury or death, trip cancellation or interruption and damage from collision or theft for car rentals.
To be eligible to file a travel insurance claim, you'll need to pay for your travel using your Citizens Bank Cash Back Plus Card.
Types of Citizens Bank Cash Back Plus Card Travel Insurance
Trip cancellation/interruption insurance: This benefit covers your trip for unforeseen cancellations or for interruptions that cut your trip short. It...
The Citizens Bank Cash Back Plus Card rental car insurance covers you up to the actual cash value of the vehicle in the event of collision or theft. To get the coverage, you must decline the rental agency's insurance and pay for the rental entirely with your Citizens Bank Cash Back Plus™ World Mastercard®.
What to Know About the Citizens Bank Cash Back Plus Card Rental Car Insurance
Coverage Amount. Up to the cash value of the vehicle.
File Claims for Domestic Rentals Through Primary Insurance First. ...
Share your insights and review for the Citizens Bank Cash Back Plus™ World Mastercard®
5
3%
4
5%
3
85%
2
3%
1
5%
2.9
111 reviews
111 reviews
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M L Carroll @buddys824
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2 Star Rating
Strange handling of automatic payment of my statement balance. Called customer service. Bad business practice here. My due date/automatic payment date is on the 17th of each month. I happened to make a return at Walmart for about $17 on April 16th. It turns out they deducted about $10 from what I actually owed as per the April statement balance. The $17 credit should not take effect/show up until the May statement. So I hope the remaining amount of my credit ($7) shows up on the May statement. They split up the amount of the return. I will not be using this credit card in the future. I never had an issue with my Discover card, which I recommend.
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Rachele Dume @rachele_dume
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1 Star Rating
I been with investors for way long times,now switching to Citizen,first time I miss a payment on 11/9/23 the sent me a letter on 11/10/23 date on the letter as a delinquent,reported me to credit bureau,reduced my credit limit in half,it’s cost me 72 points decrease on my credit score wow,and I my savings invested in this bank for less than the other bank offering right now.
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0
0
meghanc_6 @meghanc_6
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1 Star Rating
Verified Customer
Super low credit limit! Worthless card.
Applied. Never gave me a decision at first. Got a card from them in the mail a week later with a $500 Credit limit. I wanted to take advantage of the balance transfer option and didn’t realize citizens bank is a joke and offers such low limits effectively making this card worthless to me. I closed the account the same day I received it. CSR I spoke with didn’t seem to care at all when I told her why.
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0
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tim @bitcoin
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1 Star Rating
Verified Customer
They stole my cashback and decided not to reinstate my cashback.
After being a loyal customer, paying on-time 100%, no late payments, no fees, no interest on my credit cards, 700+ credit score, Citizens bank decides to close my account for inactivity for only 3 months and revoke all my hard-earned cashback. I already called customer service and even spoke to the Chairman Steven Matthews. Despite the fact that he tried to help me, he ended up saying there's nothing he can do to help retrieve the account because once its closed, its closed. I never had this kind of issue from a credit card company but its quite shady and unforgiving credit card company. Loyalty does not exist with this company, they only want your money, they don't want you to beat them at their own game and they will do anything they can do steal your cashback to give an excuse of "inactivity for 3 months..."
So I would stay away from this company as far as possible and not give them my business anymore. Better to stick with other reputable credit card companies that are more forgiving and loyal to their customers.
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2
0
Bill Sloss @mtsloss_wm57
The BOLD PRINT giveth and the fine print taketh away.
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2
1
penetwink @penetwink
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2 Star Rating
I'm frustrated with this credit card, which I hardly ever use, but need to every now and then to keep my credit score excellent. But this last time they failed to send me a paper statement, so I was four days late before my spouse noted an email about it. Though he paid it, along with a late fee that was almost equal to the charge, they lowered our credit limit from 4k to $250, and I have been cut off from customer service twice already. So far I've spent about an hour on the phone. I'm waiting for the 3rd rep now. Not fun for a Saturday, or any day! This credit card is NOT recommended!!!
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thehazh @thehazh
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1 Star Rating
Worst credit card customer service ever. Lost my card and reported the same day...after a 36 min hold time on the phone! Was assured my replacement card was sent by express mail and would arrive within 3 business days, but it has been 8 business days already and still no card. Called customer service to follow-up and am currently on hold again. It has been 47 min already, as I type this review while on hold. Not even a auto call-back option like other banks/credit card services. The only other way to contact them is via snail mail. No email or online chat. To top it all off, they provide zero liability protection for unauthorized transactions, so whatever the thief has purchased on your stolen card comes out of your pocket. Avoid the Citizens Bank credit card like the plague. Whatever attractive card features they offer is ultimately useless when the customer service is this pathetic. [Note: this review is specifically for Citizens Bank Credit Card Services, which is outsourced to a different entity. This is not for the bank's regular services like debit card, saving/checking account, etc., that are handled by the bank directly].
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1
1
Azita @azitalotfi95
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4 Star Rating
Verified Customer
Pretty good card but it would be better to have a card that has points. In the beginning they give 10% cash back on restaurants and food so that was great but after a certain amount of time it goes to 1.8% cash back
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2
2
Louis V @Bitholov
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4 Star Rating
It is a good card, better than all 1.5 % cash back and 1.5 points/$1 rewards cards. Capital One Quicksilver card is more famous, but no better than this Citizens Bank card. This is my opinion.........
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1
Joe Weider @joe_weider
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3 Star Rating
If you’re a baseball fan from the Northeast like me, Citizens Bank might make you think about the Philadelphia Phillies because the bank has the naming rights to the club’s ballpark. Everyone else’s minds probably jump to savings accounts, checking accounts and credit cards, which makes a lot more sense. Maybe after this little review of the Citizens Bank CashBack Platinum Credit Card I’ll start thinking along those lines too. First off, when considering the Citizens Bank CashBack Credit Card its important to note that it is for people with excellent credit. That should tell you two things: you shouldn’t apply for it if you don’t have excellent credit and the card better offer some top notch rewards or 0% intro terms if you do have excellent credit and are to consider it. The Citizens Bank Cash Back Platinum Card does not have an initial rewards bonus (Strike one in the current excellent credit card environment). It does offer 10% cash back on gas, grocery store and drug store purchases for the first 90 days though. You’d have to spend a heck of a lot in those categories to make the Citizens Bank Cash Back Credit Card stack up against cards offering a couple hundred dollars in initial bonuses though. After the first 90 days, this cash back Citizens Bank credit card only gives you 1% cash back on all purchases, which is basically the standard base rate offered by cash back cards (usually accompanied by lasting higher rates on specific categories). In light of the fact that the Citizens Bank CashBack Credit Card does not have an initial bonus with a defined value, is only competitive with cards that do if you spend a lot in gas, groceries and prescriptions in the first 90 days, and only offers 1% cash back after the first 90 days, Strike 2. Sure the Citizens Bank Cash Back Credit Card offers 0% on transfers and purchases for the first 12 months, but there are a few cards out there that offer such rates for 21 months. Strike 3.
The Citizens Bank Cash Back Card is probably not worth applying for, all things considered, and that means you need to find a card that is. If you want cash back, cards like the Capital One Cash Back Credit Card (1.5% cash back on all purchases) and the Blue Cash Everyday from American Express (3% at supermarkets, 2% at gas stations, and 1% on everything else) are better options than the Citizens Bank Card. If you want a long 0% intro rate, check out the Citi Simplicity Card or the Citi Platinum Select Credit Card, both of which offer 0% on purchases and transfers for 21 months.
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Review Citizens Bank Cash Back Plus™ World Mastercard®
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