Get 1.8% cash back on everything you buy
No annual fee or foreign transaction fees
No rotating categories or enrollments
No limit on how much cash you get back
Rates, fees & offers
0% APR on balance transfers for 15 billing cycles
APR: 16.99%, 20.99%, or 24.99% Variable APR
Cash Advance APR: 23.49%, Variable
Balance transfer fee
Either $10 or 4% of the amount of each transfer, whichever is greater.
Foreign transaction fee
Recommended credit score
Not sure which card is best for you?
Editor's overall rating
Pros and cons
High rewards rate
No annual fee
Intro APR period on Balance Transfers
No foreign transaction fee
The Citizens Bank Cash Back Plus® World Mastercard® earns a flat cash-back rate of 1.8% on all purchases, which puts it ahead of a slew of cards from bigger banks offering the more standard 1.5%.
This $0-annual-fee card is best for someone who wants straight cash back. No points, no intricate rewards program, no transferring to travel partners, etc.
For more information, see NerdWallet's review of this card.