Citizens Cash Back Plus World Mastercard Calculator

Card Details & Cash Back Calculator
1.8% All Purchases

Calculate how much cash back you can earn with the Citizens Bank Cash Back Plus World Mastercard based on your spend and compare it side by side top cards.

The Citizens Cash Back Plus World Mastercard takes it a step beyond your standard 1.5% cash back credit card and offers 1.8% back on all purchases. With no annual fee and no foreign transaction fee, that makes this one of the top cards for earning a flat rate of cash back across purchases made worldwide.

Bonus Categories

The Citizens Bank Cash Back Plus World Mastercard does not feature any bonus categories. Instead, you'll earn a flat rate of 1.8% cash back on all purchases ran across the card. There's no limit to the amount of cash back you can earn.

  • 1.8% All Purchases

Perks & Benefits

The Citizens Bank Cash Back Plus World Mastercard features both travel insurance and purchase protection.

  • Insurance & Purchase Protections
    • Trip Cancellation and Trip Interruption Insurance
    • Cell Phone Protection
    • Extended Warranty Protection
    • MasterRental Insurance (Car Rental Collision, Loss or Damage)

Sign Up Bonus (SUB)

The Citizens Bank Cash Back Plus World Mastercad does not have a standard sign up bonus.


Annual Fee

The annual fee for the Citizens bank Cash Back Plus World Mastercard is $0 meaning you'll always earn a 1.8% return on your spending.

Authorized User Fee

There's no authorized user fee for the Citizens bank Cash Back Plus World Mastercard. I recommend adding friends and family to the card so that you can build your cash back faster.

Foreign Transaction Fee

The Citizens bank Cash Back Plus World Mastercard has no foreign transaction fee which makes it a great option for earning an unlimited 1.8% cash back worldwide.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
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Compare A Card
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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