Citizens Cash Back Plus World Mastercard
By Alex Compton · Last verified
1.8% on everything with no foreign transaction fee, an odd but honest number.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo welcome offer | Archive record · no attached snapshot |
| 2024-01 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 1.8xAll purchases1.9% with a Citizens Quest Checking account
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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.
Rate this card
Be the first to rate it
Commentson Cash Back Plus
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.