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How to Apply for a Citizens Bank Credit Card - RC7 News

How to Apply for a Citizens Bank Credit Card

Citizens Bank offers many credit cards that you can use for all your needs and requirements. Some of their most popular credit card offerings include their cashback card, which provides a small percentage of cashback each time you use your card, and their low-interest card which helps you save money by maintaining a low-interest rate.

The Citizens Bank Cash Back Plus® World Mastercard® is a great option if you’re looking to benefit from every purchase you make. If you want to learn more about this Citizens Bank credit card and how you can apply, read on.  

Features & Benefits of the Citizens Bank Cash Back Plus® World Mastercard®  Credit Card

There are various benefits that you will be eligible for when you get a Citizens Bank Cash Back Plus® World Mastercard®.

To begin with, you can forget about annual fees because this card is free.

In terms of cash back, you will earn 1.8% cash back on every single purchase you make using this card. There is no limit on the amount of cash back you can earn.

The fact that you can receive cashback on every transaction makes the Citizens Bank Cash Back Plus® World Mastercard® much more interesting and for this particular reason, it is a favorite card among users.

How to Apply for a Citizens Bank Credit Card

Cash Back Plus® World Mastercard®  Credit Card Eligibility

To apply for a Citizens Bank credit card you must be at least 18 years old with a stable income.  Along with this, you will need to provide your ID, SSN number and income proof in the form of payslips or tax documents.

Your eligibility and credit limit amount will be determined according to your income flow and credit standing. Note that Citizens Bank will provide a list of required documents upon your application.

How to Apply for a Citizens Bank Cash Back Plus® World Mastercard® Credit Card

If you are eligible, it is easy to apply for the Citizens Bank Cash Back Plus® World Mastercard® credit card. You can simply apply online using the application form on the Citizens Bank website. Once you have submitted all the required information correctly, you will receive a response from the bank shortly after.

Citizens Bank Cash Back Plus® World Mastercard®  Credit Card Fees & Charges

There are various charges and fees that come with having a credit card, however, Citizens Bank offers some great deals to get you started:

  • 0% Introductory rate on balance transfers for the first 15 billing cycles
  • $0 Annual fee
  • $0 Foreign transaction fee
  • Purchase rate – 16.99%, 20.99%, or 24.99% according to your creditworthiness
  • Balance transfer rate (after introductory offer) – 16.99%, 20.99%, or 24.99% according to your creditworthiness
  • Balance transfer fee – $10 or 4%, whichever is greater
  • Cash advance rate – 24.49%
  • $38 late payment fee

 

Conclusion

Overall, the Citizens Bank Cash Back Plus® World Mastercard® credit card comes with various features that you can take advantage of, such as unlimited cash back and $0 annual fee.

However, with this, there are some flaws that you should be aware of. For starters, the interest rate could potentially be quite high compared to other credit cards if you don’t have a great credit score to pay at the lower end of the scale. Also, at $38, the late payment fee is quite high.

Other than these few things, this Citizens Bank credit card is highly recommended among users. Visit the website and apply today to begin enjoying its features and benefits for yourself.