Citizens Bank Cash Back Plus World MasterCard Review

Who is the Citizens Bank Cash Back Plus World MasterCard for?

The Citizens Bank Cash Back Plus World MasterCard is an exciting credit card that appeals to many populations. With zero annual, foreign, and penalty fees, this card is fitting for anyone on a budget and hoping to save money. Additionally, its potential to get cash back encourages spending.

This card is also ideal for travelers, as it provides many travel securities such as rental car insurance and trip cancellation insurance. These policies contribute to a stress-free trip and can alleviate any concerns that may arise during travels.

Furthermore, this card provides peace of mind for risk averse individuals who care about data privacy. The technologies used help guard against credit card fraud, and the various protections in place make sure you are not at fault for any identity theft. For those who want to keep their information safe, this card is a perfect match.

Lastly, this card is also great for young and beginner cardholders. With a 0% intro APR for balance transfers and purchases, this card allows some leeway for new cardholders who may miss a payment. This feature also fits those who plan to make a large purchase soon, as they can pay back the expense gradually without accumulating interest.

Rewards Rate

The Citizens Bank Cash Back Plus World MasterCard has a rewards rate of 1.8% cash back on anything you spend. As long as you use your card, you will earn 1.8% cash back, regardless of the item purchased. For example, if you spend merely $1,500 a month, you will get $27 back each month and $324 per year. This is just easy money that everyone would like to have. In other words, you are essentially earning money every time you spend.

Benefits

The Citizens Bank Cash Back Plus World MasterCard has various exciting features that make it desirable. Many of these offers can contribute to a smoother traveling experience. Others aid in fraud protection by keeping your information secure. There is something for everyone with the Cash Back Plus World card.

Primarily, this card provides a number of security benefits, the first of which is Extended Warranty Protection. This feature doubles the original warranty of a product bought with this card and protects it for up to two years. If you like to buy new technology that could break before expected, this perk would be very helpful.

Next, this card provides MasterRental Insurance for accidents on rental cars. If you happen to be in an accident while using a rental vehicle, this perk will help you pay for it. Also, to ease travel stress, this card provides Trip Cancellation and Trip Interruption Insurance that will reimburse your money spent if you purchase a trip with your card and have to cancel due to qualifying reasons.

To aid in identity protection, this card provides ID Theft Protection and helps you resolve any ID theft that may occur. If a purchase is made on your account without your consent, the card also gives you Zero Liability Protection. Citizens Bank will not require you to take responsibility for unauthorized transactions. Furthermore, this card uses Contactless Card technology that guards your data against fraud. For any private individual who values security, this card is a perfect choice.

The Cash Back Plus World MasterCard also has a cell phone protection plan. If you use your card to pay your phone bill, you can get $1,000 in coverage if your phone is stolen or lost. As phones are vital to everyday survival in the present, this feature is super helpful.

Another important perk of this card is its 0% introductory APR on balance transfers and purchases for the first 15 months of opening an account. This is good for making large purchases that can take up to 15 months to pay back since you can pay late without interest. If you don’t have the funds now but will have them later, you can still buy what you desire, and for no extra charge. This feature is also helpful for beginner credit card holders that are still unfamiliar with the responsibility of making monthly payments on time.

Welcome Bonus

Like many other bank cards, this card does not offer a sign-up bonus. Though seeming like a drawback, this card’s positives outweigh the negatives of not having a welcome bonus. Upon sign-up, cardholders immediately can access all of this card’s perks, and start earning cash back.

Annual Fee

The Cash Back Plus World MasterCard has no annual fee, making it the perfect card for those looking to save money. Cardholders can enjoy cash back as well as all this card has to offer for no charge. This perk makes the card attractive to young people with limited incomes, or those hoping to curb their spending.

Also beneficial is this card’s lack of additional charges. This card has no foreign transaction fee, meaning that you can spend as you wish globally and not worry about extra charges. For travelers who frequently visit abroad, this characteristic is essential. 

Furthermore, the Cash Back Plus World card does not have a penalty APR for late payments, meaning that if you miss a payment and pay later, you will not be punished with additional fees. This feature is important for those just starting to build credit, as it acts as training wheels before becoming fully experienced at using a credit card. This perk also facilitates large purchases, as buyers can pay back later without further charge.

Conclusion

The Citizens Bank Cash Back Plus World MasterCard is truly a versatile card that applies to many audiences. Its offers in data privacy and travel security are crucial for any risk averse person. Furthermore, its low fees and high rewards rate makes this card a helpful tool for anyone hoping to save money.