Cash Back card · Citizens
Citizens Cash Back Plus
Citizens Cash Back Plus is the flat-rate card: 1.8% back on everything, with no annual fee as of 2026. Annual fee: No annual fee (as of 2026).
Card facts
| Issuer | Citizens |
|---|---|
| Network | Mastercard |
| Type | Cash Back |
| Annual fee | No annual fee (as of 2026) |
| Rewards | 1.8% cash back on every purchase, with no spending limit on the flat rate. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
1.8% cash back on every purchase, with no spending limit on the flat rate.
Who it is built for
Built for people who want a flat cash back rate on every purchase.
Current details — visit the official Citizens Cash Back Plus page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More Cash Back cards
American Express Everyday Card
2 points per dollar at US supermarkets (up to $6,000 in purchases a year), and 1 point per dollar on everything else.
Apple Card
3% Daily Cash back at Apple and select merchants, 2% Daily Cash back on purchases made with Apple Pay, and 1% Daily Cash back on purchases made with the physical card.
Bank of America Customized Cash Rewards
3% cash back in a category the holder chooses (up to $2,500 in combined purchases a quarter), 2% cash back at grocery stores and wholesale clubs, and 1% cash back on everything else.
Bank of America Unlimited Cash Rewards
1.5% cash back on every purchase, with no spending limit on the flat rate.
Frequently asked questions
What is the Citizens Cash Back Plus?
Citizens Cash Back Plus is the flat-rate card: 1.8% back on everything, with no annual fee as of 2026.
Does the Citizens Cash Back Plus have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the Citizens Cash Back Plus earn?
1.8% cash back on every purchase, with no spending limit on the flat rate.
Who issues the Citizens Cash Back Plus?
The Citizens Cash Back Plus is issued by Citizens and runs on the Mastercard network.
Sources
- https://www.citizensbank.com/borrowing/credit-cards — Issuer's card list
- https://www.citizensbank.com/borrowing/credit-cards/cash-back-plus.aspx — Issuer's official card page
Page last updated 14 November 2026.