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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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