Earn 1.8% cash back on everything you buy*

Yes, everything. That means your earning potential is unlimited.

Apply now
Tapping their Citizens Cash Back World Mastercard at checkout
A picture of a Citizens Mastercard credit card

Citizens Cash Back Plus™ World Mastercard®

Earn 1.8% cash back on everything you buy. Yes, everything. And pay no annual or foreign transaction fees**. Plus, if you have a Citizens Quest® Checking account, you can boost your rate to 1.9% cash back. That’s how unlimited earning potential can get even higher.

**Important information about rates, fees, and cash back eligibility

Apply now

Earn more with CitizensPlus™

When you have a Citizens Quest® Checking account, you’ll earn more rewards that come automatically with our CitizensPlus™ program. Get 1.9% cash back, with all the same benefits — no rotating categories and annual or foreign transaction fees. With more rewards, you can get closer to taking your next financial step.**



**Important information about rates, fees and cash back eligibility

Credit card features & benefits

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 #ProductLine=CreditCard|Brand=citizensbank|ProductName=Citizens Cash Back Plus World MasterCard|RateName=Introductory APR|ProductAttribute=RateValue# to #ProductLine=CreditCard|Brand=citizensbank|ProductName=Citizens Cash Back Plus World MasterCard|RateName=Foreign transaction fees|ProductAttribute=RateValue# variable APR based on your creditworthiness.
  • No foreign transaction fees.
  • No penalty APR for late payments.

Security & protection1

  • 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.
  • 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 app3.
  • 25-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 Live perks like presale tickets and skip-the-line privileges at iconic music venues.

Ideas & insights

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Questions & answers

Have More Questions? Get more answers in our Full FAQs section.

    © Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC

    Citizens corporate headquarters: One Citizens Plaza, Providence, RI 02903


    *Earn cash back on everything. To qualify, you must open a new Citizens Cash Back Plus™ World Mastercard®. The Cash Back Plus Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide with your Cardholder Agreement. The Reward Guide will explain the program, including the following: A) Earn cash back rewards on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards will not expire as long as your credit card account is in good standing and you make an eligible purchase once every twelve (12) months. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor. E) If eligible, it may take up to 15 days to process any Reward Program upgrades. Rewards will be applied after upgrade has been processed. F) Other terms may apply and will be included in the Agreement..


    1Certain terms, conditions, and exclusions apply. See your Guide to Benefits for complete coverage and terms and conditions, call 1-800-Mastercard (1-800-627-8372), or go to citizensbank.com/credit-cards/cardholder/card-benefits.aspx.


    2Certain restrictions apply, see https://www.mastercard.us/zeroliability for further details.


    3Wireless carrier, text and/or data charges may apply.


    The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

    Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries

    Samsung and Samsung Pay® are registered trademarks of Samsung Electronics Co., Ltd.

    Google Pay is a trademark of Google LLC. Google Pay works on Android devices running Android Lollipop 5.0 or above.

    Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

    Credit cards are issued by Citizens Bank, N.A.