MastercardCitizens Cash Back Plus World Mastercard
1.8% on everything with no foreign transaction fee, an odd but honest number.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1.8xAll purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No foreign transaction fee
- ✦Extended warranty doubles coverage up to 2 years
- ✦Rental car and trip interruption insurance
Why it earns its spot
- +Beats every 1.5% card with zero effort
- +No FTF makes it a usable travel backup
- +Real World Mastercard protections
Where it costs you
- −2% cards exist, so 1.8% is a strange resting place
- −No welcome bonus
- −Checking boost only gets you to 1.9%
The Compound Verdict
An above-average flat rate that stops 0.2% short of relevance. The no-FTF and insurance package partially redeem it, but anyone optimizing just takes a 2% card and moves on.
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