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Citizens Bank Cash Back Plus World MasterCard®



Your purchases can earn you a great cash back rate, up to 1.8%.
  • Unlimited 1.5% cash back rewards on all of your everyday purchases1
  • A 10% Purchase Bonus2 on your earned cash back rewards when you make at least one purchase every month for six consecutive months or more
  • A 10% Relationship Bonus3 on your earned cash back rewards and Purchase Bonus when you direct deposit them in a Citizens Bank personal checking, savings or money market account
  • Take advantage of both bonuses to earn 1.8% cash back

Fixed 0% Intro APR on
balance transfers for the
first 12 billing cycles4 then
a 14.99%, 17.99% or
20.99%5 variable APR

Learn More

Apply Now
Citizens Bank Clear Value MasterCard®



The best credit card rate we offer comes with convenience, protection and great benefits.

Fixed 0% Intro APR on
balance transfers for the
first 12 billing cycles2 then
a 13.99%, 16.99% or
19.99%3 variable APR

Learn More

Apply Now

Citizens Bank Cash Back Plus World MasterCard®

Unlimited cash back rewards
• Unlimited 1.5% cash back on every purchase1 with no rotating categories or enrollments to keep track of
• 10% Purchase Bonus on your earned cash back rewards when you make at least one purchase every month for six consecutive months or more2
• 10% Relationship Bonus on your earned cash back rewards and Purchase Bonus when you direct deposit them in a Citizens Bank personal checking, savings or money market account3
• Take advantage of both bonuses to earn 1.8% cash back.

Introductory rate
0% introductory APR on balance transfers for 12 billing cycles4, thereafter a 14.99%, 17.99% or 20.99%5, variable APR based on your creditworthiness

Money-saving features
• No annual fee
• No foreign transaction fees
• No penalty APR for late payments

Shopping protection
• Extended Warranty Protection doubles the original manufacturer’s or store brand warranty for up to two years6
• Price Protection for 120 days from purchase6

World Card Travel Benefits
• Concierge Services6
• Trip Cancellation Insurance6
• Trip Interruption Insurance6
• MasterRental Insurance for collision, loss or damage6

Security features
Zero Liability Protection against unauthorized purchases7
• Travel accident and baggage delay insurance6

Built-in benefits
• 24/7 online account management
• Up to 21-day grace period on all purchases8
• Balances count toward Circle Gold checking monthly combined balance
• Year-end summary statement

Apply Now

You are solely responsible for any taxes that may be owed as a result of rewards earned and/or redeemed under this card. Please consult your tax advisor. Citizens Bank, N.A. does not provide tax advice.

1 Earn cash back rewards of 1.5% 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 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 rewards.

2 Purchase Bonus: Eligibility is determined by making at least one eligible purchase every month for six (6) consecutive months. In the seventh (7th) month, you will earn 10% on your cash back rewards for all purchases made during the previous six (6) months. You will continue earning the Purchase Bonus as long as you continue to make one eligible purchase each consecutive month. The subsequent bonuses will be received monthly for rewards earned during the previous month. If you have a month without a purchase, your Purchase Bonus counter will reset to zero. You will be eligible for the Purchase Bonus after another consecutive six (6) months of a purchase.

3 Relationship Bonus: Receive an additional 10% on earned cash back rewards and Purchase Bonus that you redeem via direct deposit into a Citizens Bank personal checking, savings, or money market account.

You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) that reflects the value of the Relationship Bonus. Please consult your tax advisor. Citizens Bank, N.A. does not provide tax advice.

4 0% introductory APR is for your first 12 billing cycles. At the time of application, each balance transfer check will have an introductory fee of 3% with a $10 minimum, thereafter 4% with a $10 minimum. APR based on creditworthiness. Rates can vary based on our review of your application and credit history.

5 As of March 1, 2015. We will determine your margin and APR based upon our review of your application and your credit history. If approved, your margin and APR will be shown on the Pricing Addendum, which will be provided with your credit card and your Agreement.

6 Certain conditions, restrictions and exclusions apply. See your Guide to Benefits for complete program details.

7 Zero liability applies to "unauthorized" purchases made in the store, by telephone or online. "Unauthorized" use means that you did not provide, directly, by implication or otherwise, the right to use your card and you received no benefit from the "unauthorized" purchase. The conditions that need to be met are the following: You have exercised reasonable care in safeguarding your card from any unauthorized use. You have not reported two or more unauthorized events in the past 12 months. Also, your account must be in good standing. This does not apply if a PIN is used for the unauthorized purchases. Conditions and exceptions apply. Go to http://www.mastercard.us/zero-liability.html for details.

8 When you pay your account balance in full by the due date.

MasterCard is a registered trademark of MasterCard International Incorporated.
Our card products are issued by Citizens Bank, N.A.

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Citizens Bank Clear Value MasterCard®

Introductory rate
0% introductory APR on balance transfers for 12 billing cycles1, thereafter a 13.99%, 16.99% or 19.99%2 variable APR based on your creditworthiness

Money-saving features
• No annual fee

Shopping protection
• Extended Warranty Protection doubles the original manufacturer’s or store brand warranty for up to one year3
• Price Protection for 60 days from purchase3

Security
• Zero Liability Protection against unauthorized purchases4
• Travel accident and baggage delay insurance3

Built-in benefits
• 24/7 online account management
• Up to 21-day grace period on all purchases5
• Year-end summary statement
• Balances count toward Circle Gold checking monthly combined balance

Apply Now

1 0% introductory APR is for your first 12 billing cycles. At the time of application, each balance transfer check will have an introductory fee of 3% with a $10 minimum, thereafter 4% with a $10 minimum. APR based on creditworthiness. Rates can vary based on our review of your application and credit history.

2 As of March 1, 2015. We will determine your margin and APR based upon our review of your application and your credit history. If approved, your margin and APR will be shown on the Pricing Addendum, which will be provided with your credit card and your Agreement.

3 Certain conditions, restrictions and exclusions apply. See your Guide to Benefits for complete program details.

4 Zero liability applies to "unauthorized" purchases made in the store, by telephone or online. "Unauthorized" use means that you did not provide, directly, by implication or otherwise, the right to use your card and you received no benefit from the "unauthorized" purchase. The conditions that need to be met are the following: You have exercised reasonable care in safeguarding your card from any unauthorized use. You have not reported two or more unauthorized events in the past 12 months. Also, your account must be in good standing. This does not apply if a PIN is used for the unauthorized purchases. Conditions and exceptions apply. Go to http://www.mastercard.us/zero-liability.html for details.

5 When you pay your account balance in full by the due date.

MasterCard is a registered trademark of MasterCard International Incorporated.
Our card products are issued by Citizens Bank, N.A.

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