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▷▷ 2021 ▷ Citizens Bank Cash Back Plus World Mastercard Review

5 julio, 2021

Bank-issued credit cards support a multi-billion dollar industry that supports consumerism at the highest level. When consumers use credit cards appropriately, they can be of great help as a convenience and reward tool. However, when credit cards are abused, it can lead to uncontrollable debt. The mass market that bank credit cards represent is highly competitive, leading banks to be very creative in how they entice consumers to apply for their cards instead of others. The rewards card comes in all shapes and sizes. Depending on what you are looking for in a card and how you will use it, there is a card for you. Today, we take a look at Citizens Bank’s Cash Back Plus World Mastercard.

Citizens Bank Cash Back Plus World Mastercard

When juxtaposed with the other cards, Citizens Bank’s Cash Back Plus World Mastercard is up to the task. No interest is applied to balance transfers and you can earn up to 1.8 percent cash back on all eligible purchases. If you were allowed to describe this credit card in three words, they would be simple, powerful, and limitless.

Benefits at a glance:

  • No foreign transaction fees
  • There is no limit to the amount of cash back rewards you can earn
  • No annual fee
  • No rotating categories or sign-ups required to take advantage of benefits

Citizens may not have the name recognition of the largest banks listed here, but the benefits are up there. The fact that there is no annual fee is huge. Plus, not having to sign up or deal with rotating categories is a huge benefit too. It all comes down to what you look for in a card and how the card will be used.

The Citizens Banks Cash Back Plus World Mastercard is ideal for the consumer who enjoys cash back rewards, but doesn’t want to deal with rotating categories and bonuses. Many cards offer category-based cash rebates that rotate throughout the year, keeping cardholders up to date with the different categories to optimize the benefits they receive in the form of cash rebates. This card does not rotate bonuses.

There are certain qualifying purchases that will earn 1.8 percent cash back and all other general purchases will earn 1 percent cash back.

Another great benefit of this card is that there is no annual fee, one of the most common complaints from cardholders. The APR rates very well compared to other cards on the market, ranging from 14.99 to 22.99.

Let’s take a look at the pros and cons:


  • There is no limit to the amount of cash back you can earn in one year
  • Cashback does not expire
  • Refund can be redeemed as a statement credit or bank deposit
  • Low minimum redemption amount ($ 25)
  • No bonuses or rotating categories are required and no registration is required


  • An online application must be submitted to redeem cash back rewards
  • Rewards cannot be combined or transferred
  • No automatic redemption options

There are a few other notable features associated with this card, including concierge services, no overseas transaction fees, extended warranty, baggage insurance, trip cancellation, outage protection, and car rental insurance.

It’s worth noting that you will need to live near a citizen bank to get the best possible rates. Most of the locations are on the East Coast and the Mid-Atlantic region. This is something to keep in mind when determining if this card is for you.

What I like best about this card is that it has no annual fee, but another great benefit is that it has an above-average cash back rating. When you find a card that doesn’t charge an annual fee, the cash-back capacity is extremely low, typically exceeding one percent. However, this card pays 1.8 on all qualifying purchases, with no earnings limit.

I am not impressed by the limited ways you can redeem your rewards or the fact that you are not allowed to combine or transfer your rewards, something that is offered with other cards.

If you are someone who prefers cash back to other rewards options, this is a card to consider. If you currently have an account with Citizens Bank, you definitely want to apply for this card, because you will be able to optimize the benefits offered. At the end of the day, everything …

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