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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 16.99% to 24.99% 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.
      • Embedded Chip 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

      • Apply quickly and easily with our online credit card application.
      • 24/7 online account management to make payments, set up account alerts, and much more.
      • Use Apple Pay® for cashless in-store and in-app purchases from participating merchants.
      • 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?

      Which Credit Card Should You Get?

      Read More
    • Using Cash Back for a Cause

      Using Cash Back for a Cause

       

      Read More
    • Some People Use Their Credit Cards for Everything.

      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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