How to Get a Helpful Citizens Bank Cash Back Credit Card

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If you want to earn  1.8% cash back on every purchase you make, the Citizens Bank Cash Back Credit Card might be for you. If you are accepted into the Citizens Bank program, you can also get complimentary access to concierge services and travel insurance when you go abroad.

Before settling on a credit card you must weigh your options against your needs. There are plenty of choices on the credit card market, but they will not all fit what your lifestyle requires. You should write down your goals and then match them with the credit card options out there.

Some things you should think about are credit card interest rates, originations fees and the luxury of rewards. Our editors have dived into the Citizens Bank Cash Back Credit Card to give you important details. With this information you can make a much more informed decision about whether or not the Citizens card is right for you. Below you will find details on fees and benefits and alos on how you can apply if the card seems to fit your lfestyle.

 

Citizens Bank Cash Back Credit Card

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What are the Benefits of the Citizens Bank Cash Back Plus® World Mastercard® Credit Card?

First of all, you can enjoy zero foreign transaction fees when you travel abroad. When you consider how much you usually spend on credit and debit card fees while overseas, this reason alone is worth applying for the credit card.

On the topic of travel, Citizens Bank has got you covered should you get into an accident or face trip interruption or cancelation. They’ll also throw in complimentary concierge services and a 10% discount on rental homes in select major cities.

Love shopping? With the Citizens Bank cash back credit card, you can shop to your heart’s content (responsibly), confident that you have zero liability protection against unauthorized purchases. The card is also chip-enabled, adding an extra level of security.

When you receive your Citizens Bank credit card, connect it with Apple Pay for even more convenience at the check-out counter. And remember, with every eligible purchase you make, you’ll earn 1.8% unlimited cash back into your pocket.

What are the Fees and Charges of the Citizens Bank Cash Back Credit Card?

It is always advisable to pay your credit card on time to avoid incurring additional charges set by the bank. Here are some of the most common credit card charges:

  • Annual Percentage Rate (APR) on balance transfers: 0% for the first 15 billing cycles
  • APR on purchases: 16.99%, 20.99% or 24.99% (after the first 15 billing cycles)
  • Late payment penalty fee: $38 late payment penalty fee
  • Cash advance fee: $20 or 5%, whichever is higher
  • Balance transfer fee: $10 or 4% 
  • Foreign transaction fee: $0 
  • Annual fee: $0 

Overall, the Citizens Bank Cash Back Plus® World Mastercard® Credit Card offers plenty of valuable perks and privileges to those who love to travel and shop. If this is you, visit the Citizens Bank website and apply now to begin enjoying a world of credit card benefits.

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How to Apply For the Citizens Bank Cash Back Credit Card

To be eligible for the Citizens Bank Cash Back World Mastercard, you must be 18 years or older with a social security number and a driver’s license or state ID. You must also be able to show proof of a stable income in the form of pay-slips or tax documents.

It’s very straightforward to apply for a Citizens Bank credit card. Simply visit the Citizens Bank website and fill out the online application form. Note that you will be asked to provide your personal information, including your address, contact number and income details. To ensure that your private and personal information remains secure, and confidential, the bank uses the highest form of Internet security technology.

After you submit your application, a confirmation page will appear on your screen. You will hear back shortly regarding whether or not your application has been deemed successful.

How to Contact Citizens Bank

Head office

One Citizens Plaza
Providence, Rhode Island 02903

Telephone: 1-800-922-9999

Note: There are risks involved when applying for and using a credit card. Consult the bank’sterms and conditions page for more information.

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