Citizens Bank CashBack Platinum MasterCard®
- Minimum Credit Required:
Excellent - Annual Fee:None
- Network: MasterCard
Cash Back - Extra on Gas
| Initial Bonus None |
Base Earn 1% |
Max Earn 10% |
Earn / Redeem Limit No |
- Earn 10% cash back automatically on all gas, grocery and drug store purchases for the first 90 days and 1% cash back on all other purchases.
- After 90 days, earn 1% cash back on all purchases.
- Cash back Checks are issued in increments of $50.
| Intro Rate Not Offered |
Intro Period N/A |
Regular Rate 14.99% - 19.99% |
| Intro Rate0% | Intro Period12 months | Regular Rate14.99% - 19.99% | Balance Transfer Fee 3% |
| Cash Advance Rate 22.49% |
Cash Advance Fee 3% (min $10) |
- 0% liability for any transactions resulting from a lost or stolen card - including online transactions.
- No Annual Fee.
- Max Late Fee: $39
- Max Overlimit Fee: None
- Max Penalty APR: 29.99%
- Grace Period: 21 days
- Online Response: No
- Foreign Transaction Fee: 3%
If you currently have the Citizens Bank CashBack Platinum MasterCard® and are satisfied or you like the terms of this credit card offer please let your friends know.
If you are interested in the Citizens Bank CashBack Platinum MasterCard®, check out the following credit cards as well:
Compare the Citizens Bank CashBack Platinum MasterCard® against other major online credit card offers.
Citizens Bank CashBack Platinum MasterCard® is related to the following credit card categories:
- MasterCard Credit Cards
- Balance Transfer Credit Cards
- Balance Transfer Cash Back Credit Cards
- Unsecured MasterCard Credit Cards
- Cash Back Credit Cards for Excellent Credit
- No Annual Fee Credit Cards
- MasterCard Rewards Credit Cards
- Rewards Credit Cards
- MasterCard Balance Transfer Credit Cards
- Balance Transfer Gas Credit Cards
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Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Citizens Bank CashBack Platinum MasterCard® shown on this page.
The card information shown on this page was last updated: April 19th, 2012 at 9:00 EDT
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If you’re a baseball fan from the Northeast like me, Citizens Bank might make you think about the Philadelphia Phillies because the bank has the naming rights to the club’s ballpark. Everyone else’s minds probably jump to savings accounts, checking accounts and credit cards, which makes a lot more sense. Maybe after this little review of the Citizens Bank CashBack Platinum Credit Card I’ll start thinking along those lines too. First off, when considering the Citizens Bank CashBack Credit Card its important to note that it is for people with excellent credit. That should tell you two things: you shouldn’t apply for it if you don’t have excellent credit and the card better offer some top notch rewards or 0% intro terms if you do have excellent credit and are to consider it. The Citizens Bank Cash Back Platinum Card does not have an initial rewards bonus (Strike one in the current excellent credit card environment). It does offer 10% cash back on gas, grocery store and drug store purchases for the first 90 days though. You’d have to spend a heck of a lot in those categories to make the Citizens Bank Cash Back Credit Card stack up against cards offering a couple hundred dollars in initial bonuses though. After the first 90 days, this cash back Citizens Bank credit card only gives you 1% cash back on all purchases, which is basically the standard base rate offered by cash back cards (usually accompanied by lasting higher rates on specific categories). In light of the fact that the Citizens Bank CashBack Credit Card does not have an initial bonus with a defined value, is only competitive with cards that do if you spend a lot in gas, groceries and prescriptions in the first 90 days, and only offers 1% cash back after the first 90 days, Strike 2. Sure the Citizens Bank Cash Back Credit Card offers 0% on transfers and purchases for the first 12 months, but there are a few cards out there that offer such rates for 21 months. Strike 3. The Citizens Bank Cash Back Card is probably not worth applying for, all things considered, and that means you need to find a card that is. If you want cash back, cards like the Capital One Cash Back Credit Card (1.5% cash back on all purchases) and the Blue Cash Everyday from American Express (3% at supermarkets, 2% at gas stations, and 1% on everything else) are better options than the Citizens Bank Card. If you want a long 0% intro rate, check out the Citi Simplicity Card or the Citi Platinum Select Credit Card, both of which offer 0% on purchases and transfers for 21 months.