Is the Citizens Bank Cash Back Plus World Mastercard the Best Option for You?

Get Cash Back Is the Citizens Bank Cash Back Plus World Mastercard the Best Option for You?

Is the Citizens Bank Cash Back Plus World Mastercard the Best Option for You?

A cashback is a financial transaction that refunds a cardholder a small percentage of the amount spent on a particular purchase that meets a certain dollar threshold. This financial transaction is common with popular credit cards like DiscoverCiti BankApple Card, and Walmart.

Citizens Bank offers a variety of cashback cards for its customers, with the Cashback Plus being the most popular one. Citizens cashback plus offers a certain flat percentage for any purchase made through this credit card. As much as this cashback seems promising, it can be frustrating to redeem your cashback rewards since you're expected to contact their customer service to facilitate the process. You'll probably end up being kept in waiting if there are a lot of callers on the line.

DoNotPay can help you redeem your Citizens Bank cashback plus reward with ease. All you have to do is follow the steps below, and we'll help you claim and redeem your rewards in the easiest way possible.

Does Citizens Bank Offer Cashbacks? 

Yes. Citizens Bank offers three types of cashback, namely:

  1. Category bonus
  2. Flat percentage
  3. Tiered reward
Category bonus cashbackThe category bonus cashback offers a high percentage of up to 5% for spending on particular stores or specific products like groceries and gas. However, this is a high-maintenance cashback credit card. For instance, you might need to know which categories are offered at a particular time of the year.
Flat percentage cashbackThe flat percentage cashback credit card offers a flat percentage normally at a lower percentage between 1% to 2% for all eligible purchases. This cashback credit card requires little or no maintenance.
Tiered reward cashbackThe tiered reward option is an unpopular cashback credit card that credit card companies use to reward cashback to customers based on their spending. Many credit card companies have moved away from this option and prefer the simple flat-rate program.

Citizens Bank Cash Back Plus Summary

Citizen cashback plus is part of the flat-percentage option. With this card, you earn a flat rate of 1.8% on valid purchases and spending. Some of the advantages it holds are as follows:

Citizens Bank Cash Back Plus
  • No rotating categories or spending caps
  • Earn as much as you can since it doesn't have a spending cap.
  • Get an introductory 5% bonus on the first $6000 that you spend the first year you become a cardholder. This amounts to $300 before the rates drop to 1.8%, which is pretty high than other credit cards.
  • Enjoy a 0% annual percentage rate for the first 15 billing cycles and enjoy an APR of 15.99%, 19.99%, or 23.99% after that.
  • A 0% annual fee
  • No foreign transaction fee

Please note, even though Citizens Bank cashback plus offers cashback on various purchases, some restrictions apply to transactions associated with:

  • Balance transfers
  • Cash advances
  • Interest charges
  • Lottery tickets
  • Wire transfer
  • Gambling charges
  • Money orders
  • Unauthorized charges

How Do You Get Cashback From Citizens Bank?

To access your Citizens Bank cashback plus reward, you should submit your request by

  1. Logging into their website 
  2. Contacting their customer service at 800-684-2222

Apart from the above requirement, redeeming your reward requires you to cash out your rewards in an increment of $25. Alternatively, you can redeem the card as a statement on your credit account or as a direct deposit into your checking, money market, or savings account. 

Please note the requirement to cash out your reward in an increment of $25 is different from other common credit cards since they offer a baseline threshold that you should meet to cash out your reward.

For instance, if you've earned $80 as your cashback reward, you cannot cash out the entire amount in full. You can either cash out $75, $50, or $25 or wait until the amount hits $100, and you can make four cash outs worth $25.

How to Get Citizen Bank Cashback with DoNotPay 

Getting a Citizen cashback plus is ideal for saving on your expenses. However, getting your cashback isn't as easy as it sounds. You need to contact their customer service to redeem your cashback. This can take ages, especially when many people demand their cashback, leaving you on hold. You don't deserve to go through such frustrating moments to get your cashback. DoNotPay offers a simple way to get your Citizen Bank cashback using the following three easy steps:

  1. Search for Cash Back on the DoNotPay website.

     

  2. Kick off the process to find the right app or website for you.

     

  3. Answer some specific questions so that we can help you start making money!

     

And that's it. Completing these three steps guarantees that your process to get cashback from Citizen Bank is completed within the least time possible. This will allow you to continue saving on your shopping without worrying about spending more than your budget.

With our Get Cashback product, we can also help you learn more about cashback, take advantage of any cashback app, get your cashback with Apple Pay, and get your money from PayPal.

What Else Can DoNotPay Do?

We offer excellent solutions to any kind of issue you might be dealing with. Here are some of the issues we can help you handle with ease:

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