Earn 1.8% cash back on all eligible purchases. No caps, enrollments, or special categories to keep track of.
*Important information about rates, fees and cash back eligibility
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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
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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.
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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.
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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
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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
Questions & Answers
Want to learn more? See our FAQs section.
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The zip code you entered is served by Citizens One, the brand name for Citizens Bank's lending business outside of our 11?state branch footprint. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages, Personal Loans and Student Loans. To learn more, please visit:
CitizensOne.com