Citizens Cash Back Plus™ World Mastercard®
The Citizens Cash Back Plus™ World Mastercard® from Citizens Bank earns up to 1.8% effective value on dining in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 1.8%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Citizens Cash Back Plus™ World Mastercard earn in each category?
Dining is the strongest category at 1.8% effective value (1.8% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 1.8% effective value (1.8% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.8% back | 1.8% Top category |
| Grocery Supermarkets and grocery stores | 1.8% back | 1.8% |
| Gas Gas stations and fuel | 1.8% back | 1.8% |
| Travel Flights, hotels, transit | 1.8% back | 1.8% |
| Other General everyday spend | 1.8% back | 1.8% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Citizens Cash Back Plus™ World Mastercard?
The Citizens Cash Back Plus™ World Mastercard fits spenders who put meaningful volume in dining and can earn 1.8% back. Best for spenders who put meaningful volume in dining and can earn 1.8% back. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Citizens Cash Back Plus™ World Mastercard fits spenders who put meaningful volume in dining and can earn 1.8% back. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.8% back.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 1.8% effective (1.8% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the Citizens Cash Back Plus™ World Mastercard have an annual fee?
The Citizens Cash Back Plus™ World Mastercard has an annual fee of $0 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Citizens Cash Back Plus™ World Mastercard?
The Citizens Cash Back Plus™ World Mastercard includes Cell Phone Protection, Extended Warranty, Rental Insurance in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Cell Phone Protection
$25/yrReimbursement of non-refundable cancellation or change fees. Applies only to major airlines. Must use your credit card to purchase your ticket in full. Trip must be cancelled due to a covered reason.
Extended Warranty
$25/yrUp to 1 additional year on original manufacturer's warranty of 2 years or less.
Rental Insurance
$25/yrCovers damage due to collision or theft. Must decline the collision damage waiver (CDW) at the counter. Coverage is secondary to personal insurance.
Related encyclopedia topics
Common questions about the Citizens Cash Back Plus™ World Mastercard
What is the benefits of Citizens cash back Plus World Mastercard?
Dining is the strongest Madeen category for the Citizens Cash Back Plus™ World Mastercard at about 1.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Citizens Cash Back Plus™ World Mastercard have an annual fee?
The Citizens Cash Back Plus™ World Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Citizens Cash Back Plus™ World Mastercard?
Dining is the strongest Madeen category for the Citizens Cash Back Plus™ World Mastercard at about 1.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Citizens Cash Back Plus™ World Mastercard charge foreign transaction fees?
The Citizens Cash Back Plus™ World Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Citizens Cash Back Plus™ World Mastercard?
Madeen's catalog lists a typical credit range of Good for the Citizens Cash Back Plus™ World Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Citizens Cash Back Plus™ World Mastercard?
Rewards on the Citizens Cash Back Plus™ World Mastercard post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Citizens Cash Back Plus™ World Mastercard compare to similar cards?
Compare the Citizens Cash Back Plus™ World Mastercard against Citizens Summit Reserve™ World Elite Mastercard (3% on Dining, $295 fee); Citizens Summit™ World Mastercard (3% on Dining, $0 fee); Citizens Private Client™ World Elite Mastercard (2% on Dining, $195 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Citizens Cash Back Plus™ World Mastercard This card | Dining | 1.8% | $0 |
Citizens Bank | Dining | 3% | $295 |
Citizens Bank | Dining | 3% | $0 |
Citizens Bank | Dining | 2% | $195 |
Citizens Bank | Dining | 2% | $0 |
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