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Earn 1.8% cash back on
EVERYTHING you buy.*
Yes, everything.

How much is in it for you?

If you spend
a month using the

Cash Back Plus® World Mastercard® — with its 1.8% cash back —you will earn:

Cash Back Calculator is for estimate purposes only. Actual cash back will total 1.8%.

Want unlimited earning potential? Done.

Earn 1.8% cash back on everything you buy. Yes, everything.* That means your earning potential — and the possibilities — are unlimited. Beyond that, you'll enjoy generous saving opportunities, unparalleled security and protection, and other convenient features that you want in a credit card. And that's why we call it Cash Back Plus.

Get Started

*Important information about rates, fees and cash back eligibility

Credit Card Features & Benefits

Cash Back Card
  • Cash Back

    • 1.8% cash back on everything you buy, with no limit on how much you can earn.
    • No rotating categories to enroll in or keep track of.
    • Easily track and redeem your cash back rewards by logging on to Credit Card Online.
  • Savings & Perks*

    • No annual fee.
    • 0% introductory APR on balance transfers for the first 15 billing cycles, thereafter 15.99% to 23.99% variable APR based on your creditworthiness.
    • No foreign transaction fees.
    • No penalty APR for late payments.
  • Security & Protection 1

    • Extended Warranty Protection doubles the original manufacturer's or store brand warranty for up to two years.
    • MasterRental Insurance for collision, loss or damage.
    • ID Theft Protection gives you peace of mind 24/7. Mastercard services can detect and help you resolve ID theft events quickly.
    • Cell Phone Protection: Use your Cash Back Plus World Mastercard to pay your monthly mobile phone bill, and you'll get $1,000 in coverage ($600 per claim, twice a year) should your eligible phone get lost or stolen.
    • Trip Cancellation and Trip Interruption Insurance: Use your credit card to purchase your entire trip on a major airline, and you’re eligible for reimbursement of non-refundable cancellation or change fees if you have to cancel your trip for a covered reason.
    • Contactless Card technology protects your data and helps guard against credit card fraud.
    • Zero Liability Protection guards against unauthorized purchases made by phone, online, or in the store.2
  • Convenience

    • 24/7 online account management to make payments, set up account alerts, and much more.
    • Simply Tap and Go with our Contactless Credit Card for fast, easy and secure checkout wherever you see the contactless symbol.
    • Use Digital Wallets, including Apple Pay®, Samsung Pay™, and Google Pay™ to pay in store, online, and in app.
    • 21-day grace period on all purchases made with your Cash Back Plus World Mastercard, when you pay your account balance in full by the due date.
    • Acceptance at more than 36 million Mastercard locations worldwide.
    • Experience exclusive Citizens Bank Live perks like presale tickets and skip-the-line privileges at iconic music venues.

Ideas & Insights

  • Which Credit Card Should You Get?

    Read More
  • Using Cash Back for a Cause

     

    Read More
  • Some People Use Their Credit Cards for Everything. Here's Why.

     

    Read More

Questions & Answers

Want to learn more? See our FAQs section.

Get Started

Questions? Ask a Citizen?
Questions? Ask a Citizen?
What can we help you with?

Our banking experts have you covered.

Ask a Citizen
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