Citizens Bank Cash Back Plus Card Offers Up to $900 Signup Bonus (NY/NJ)

Citizens Bank Cash Back Plus Card Offers Up to $900 Signup Bonus (NY/NJ)

Citizens Cash Back Plus Card Offers Up to $900 Signup Bonus

Citizens Cash Back Plus Card Offers Up to $900 Signup Bonus

Citizens Bank is offering a signup bonus of up to $900 for its Citizens Cash Back Plus™ World Mastercard®. The bonus comes in the form of 10% cash back, but requires a checking account as well for the maximum amount. Before you continue reading, you should know that the this bonus is only available in NY and NJ. Check out the details below.


Earn 10% total cash back rewards (inclusive of your standard cash back rewards) on all eligible purchases made during the first nine (9) months of account opening, on up to $1000 spent per month with your NEW Citizens Cash Back Plus World Mastercard. You will continue to earn 1.8% cash back rewards on ALL eligible purchases once the $1000 per month spend limit is reached. As part of the signup bonus you also get a 0% Intro APR on balance transfers for the first 15 billing cycles

To qualify for this offer, you must reside in the states of New York or New Jersey and open both (1) a new Citizens Cash Back Plus World Mastercard Account and (2) a first, new personal checking account in person at a participating branch or online.

Current Personal Checking Account Holders and/or Applicants that do not open a first new Personal Checking Account will instead, can only earn this bonus for 5 months instead of 9 month.

You can see the offer here.

Citizens Cash Back Plus Card

Offer Terms

  • Offer available for a limited time.
  • Not valid for applicants who are currently or have been a signer on any Citizens personal checking account in the past 6 months.
  • The personal checking account must be open with a balance greater than zero and in good standing through end of July 2023.

Card Details

  • Earn 1.8% cash back on everything you buy (1.9% with a Citizens Quest Checking account)
  • Cash Back Rewards will not expire as long as your credit card account is in good standing and you make an eligible purchase once every twelve (12) months.
  • No foreign transaction fees.
  • No annual fee.

Guru’s Wrap-up

This can be a very bonus if maximized, and the structure makes it easier for people with organic spend. You can earn 10% cash back on up to $1,000 in purchases every month for 9 months. That gives you a total bonus of $900 for spending $9,000 in 9 months.

But to get the maximum bonus you also need to open a checking account. Considering that you can earn a $400 bonus for the checking account, then this is more like a $500 bonus.

excl. tax: Doctor of Credit

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