Philippines Finance

Aug 21 2017

Cash Back Plus World Mastercard #cash #back #credit #card, #cash #back #rewards, #cash #back #credit


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Citizens Bank Cash Back Plus® World Mastercard®

Everyday purchases can help you earn up to 1.8%

It’s simple. 1.5% cash back on your everyday eligible purchases 1. plus the chance to earn 1.8% with our Purchase Bonus 2 and Relationship Bonus 3. Adding to the ease of this cash back card are the hassles it leaves out, such as:

  • No limit to the amount of cash back you can earn
  • No rotating categories or enrollments to keep track of
  • No annual fee*
  • No foreign transaction fees*

0% introductory APR on balance transfers for 15 billing cycles 4. thereafter a 14.99%, 18.99% or 22.99% 5. variable APR based on your creditworthiness

Unlimited cash back rewards

  • Unlimited 1.5% cash back on every eligible purchase 1 with no rotating categories or enrollments to keep track of
  • 10% Purchase Bonus on your earned cash back rewards when you make at least one purchase every month for six consecutive months or more 2
  • 10% Relationship Bonus on your earned cash back rewards and Purchase Bonus when you direct deposit them in a Citizens Bank personal checking, savings or money market account 3
  • Take advantage of both bonuses to earn 1.8% cash back

Money-saving features

We leave out the fees and penalties, so your rewards are more rewarding.

Money-saving features

We leave out the fees and penalties, so your rewards are more rewarding.

  • No annual fee*
  • No foreign transaction fees*
  • No penalty APR for late payments*

All accounts are subject to individual credit approval.

Mastercard is a registered trademark of Mastercard International Incorporated.

Credit cards are issued by Citizens Bank, N.A.

You are solely responsible for any taxes that may be owed as a result of rewards earned and/or redeemed under this card. Please consult your tax advisor. Citizens Bank N.A. does not provide tax advice.

Wireless carrier, text and/or data charges may apply.

** Credit Card Cash Back Calculator is for estimate purposes only. If both Purchase and Relationship bonuses are achieved, actual cash back will total 1.815%.

Apple, the Apple logo, iPhone, iPad, Passbook, Apple Pay, Apple Watch and Touch ID are trademarks of Apple Inc. registered in the U.S. and other countries. App store is a service mark of Apple Inc.

1 Cash back rewards of 1.5% on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash rewards. Points will not expire as long as your account is in good standing and you make an eligible purchase once every twelve months. If you do not make at least one purchase once every 12 months, your points will be forfeited. This program is subject to change. Other terms may apply. Please see your Cardholder Agreement.

2 Purchase Bonus: Eligibility is determined by making at least one eligible purchase every month for six (6) consecutive months. In the seventh (7th) month, you will earn 10% on your cash back rewards for all eligible purchases made during the previous six (6) months. You will continue earning the Purchase Bonus as long as you continue to make one eligible purchase each consecutive month. The subsequent bonuses will be received monthly for rewards earned during the previous month. If you have a month without an eligible purchase, your Purchase Bonus counter will reset to zero. You will be eligible for the Purchase Bonus after another consecutive six (6) months with an eligible purchase.

3 Relationship Bonus: Receive an additional 10% on earned cash back rewards and Purchase Bonus that you redeem via direct deposit into a Citizens Bank personal checking, savings, or money market account. To open a Citizens Bank personal checking, savings or money market account you must have a residential address in the Citizens Bank footprint: MA, CT, RI, VT, NH, PA, NY, NJ, DE, MI, OH. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) that reflects the value of the Relationship Bonus. Please consult your tax advisor. Citizens Bank, N.A. does not provide tax advice.

4 0% introductory APR is for your first 15 billing cycles; after that you will be charged your standard variable APR for purchases. Each balance transfer check will have a fee of either $10 or 3% of the amount of each transfer, whichever is greater. APR based on creditworthiness. Rates can vary based on our review of your application and credit history. Once you take advantage of this balance transfer, you will pay interest on all purchases made with your credit card unless you pay your entire balance (including any transferred balances) in full by the statement due date.

5 As of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate#. We will determine your margin and APR based upon our review of your application and your credit history. If approved, your margin and APR will be shown on the Pricing Addendum, which will be provided with your credit card and your Agreement. Your APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the Index to a margin of 13.49, 17.49, or 21.49 percentage points. The APR for Cash Advances is determined monthly by adding the Index to a margin of 21.74 percentage points. The Index is determined monthly and it is the three month LIBOR (London Interbank Offered Rate) published in the northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month rounded up to the nearest one-quarter of a percentage point. If the first day of the preceding month is not a business day, the Bank will use the three month LIBOR published on the next business day.

6 Certain conditions, restrictions and exclusions apply. See your Guide to Benefits for complete program details.

7 Certain restrictions apply, see http://www.mastercard.us/zero-liability.html for further details.

8 When you pay your account balance in full by the due date.

9 FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.


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