Overall, it can be concluded that Citizens Cash Back Plus World Mastercard is an ideal card to apply for in case a person plans to have a worthy benefit in the form of cash back for each purchase made. It is not just a card that is kept in a wallet; it is an instrument that has been crafted to assist them to get the most of their spending power; coupled with other benefits that ease their financial lives. 

Significantly high cash-back on every purchase, no annual or foreign fee charges and a range of tools developed to support and safeguard you; this card is designed for the wise buyer. Now that that is out of the way the time has come to look at what gives the Citizens Cash Back Plus World Mastercard a place on your roster.

Main features of the Citizens Cash Back Plus World Mastercard

With the Citizens Cash Back Plus World Mastercard you are guaranteed to be using a card that has been issued from a reputable bank which is none other than Citizens Bank. This credit card is centered on people who expect their financial instruments to be easy to use and effective. 

Whether you’re going on business trips quite often, or simply don’t have much time for it – or maybe you are just one of those people who like to get something back every time they spend a dollar – this card is for you.

Understanding the annual fee 

Citizens Cash Back Plus World Mastercard card has one of the best features that is a $0 Annual Fee. Indeed, you are not seeing things: this card is free to keep every year for the next ten years. This is especially advantageous with those consumers who wish to have their unlocked benefits not to be nullified by the cost incurred in the maintenance of the card.

Deciphering credit limits

Citizens Bank used an analysis of factors to set your credit limit. Your Citizens Cash Back Plus World Mastercard credit limit is not formulaic; it depends on different elements that are peculiar to a given citizen issuing the application. First and foremost, one is your credit score which proves to be of primary importance. 

It is imperative to note that the higher the obtained score the higher the possibility of being approved for a higher limit on the credit card. But Citizens Bank also takes into account other factors on your credit report such as, the income, the existing loans that you have, and credit worthiness.

Advantages of the Citizens Cash Back Plus World Mastercard

• Unlimited Cash Back: It is possible to earn 1. Get 8% cash back on each purchase – no minimum requirements, no maximal sums.
• No Fees: Get free from the annual fee, foreign transaction fee, as well as penalty APR for missing payment.
• Security Features: That comes with great warranty coverage, Master Rental Insurance, and ID Theft Protection.

Standout advantage

The most compelling aspect of the Citizens Cash Back Plus World Mastercard is the simple cash-back offer of the credit card. In contrast to most credit/travel cards where you are placed in a rather confusing reward program, this card gives a straightforward 1. 8% cash back on all purchases, with no exclusions. 

Addressing potential drawbacks

• No Introductory Bonus: There is another disadvantage of this card; it has no sign up bonus, more so when compared to some of the related cards.
• Variable APR: After the initial charges, the rate varies from the APR of 21. 24% to 29. 24% which is high to make especially if you have a poor credit rating.
• Limited Reward Rate: The cash-back rate itself, however, is relatively high, but fixed, at the same level across all the credit card companies. 

Standout disadvantage

The main disadvantage of the Citizens Cash Back Plus World Mastercard is the lack of an welcome offer. A lot of credit cards provide many rewards points or a cash rebate in the first months of credit card membership on the condition that the customer uses the card at least for a certain amount.

Eligibility criteria 

First of all, one is required to have U. S citizenship or be a green card holder. As well, certain formal qualifications are required: at least 18 years of age and a Social Security Number. A credit score of good to excellent is also mandatory as the card is for people with a good credit history. 

You should have a reliable source of income, that can be documented, that shows the capacity to repay any credit that you accessed. Last but not the least, the applicant will be required to give information on the present residential address as well as the contact details.

How to apply for the Citizens Cash Back Plus World Mastercard

Applying for the Citizens Cash Back Plus World Mastercard is quite simple but it should be done carefully. To begin with, there is need to prepare and compile all the required papers like SSN number, income evidence, and identification documents.

Via website

The most efficient approach of doing this lies in the online access of the Citizens Cash Back Plus World Mastercard. Organizations specifically focus the using of simple text on the screen with clear instructions and instructions on how to complete the application. First, you complete a questionnaire where you have to give your data like your name, address, and social security number. 

Then, there are the items on your income and employment where you are required to fill in your financial details. The website will then lead you through the terms of the card explaining to you all the fees, the interest and privileges that come with the card. After reading through the highlighted terms and conditions, you can submit the application at the click of a button. 

Through the mobile application

Application process of the app is nearly as simple as the website, if not even simpler. Once the app has been downloaded and the user logs in, he or she will be able to select a product which they wish to apply for under the tab named as ‘Products and Services’ and there one will find the option to apply for new credit card. The app will take you through the application process and first thing will be basic details on the applicant. 

Through the store/branch

To those, who are fond of personal approach, submitting the application for the Citizens Cash Back Plus World Mastercard at the Citizens Bank and turning to one of its branches is equally advised. Going to a branch enables the client to meet and discuss with an official personnel of the company regarding issues that may be useful to know concerning the card or the application and the clients circumstances.