Bilt World Elite Mastercard vs Citizens Cash Back Plus World Mastercard

Side-by-side comparison of Bilt World Elite Mastercard and Citizens Cash Back Plus World Mastercard. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Bilt World Elite Mastercard	Citizens Cash Back Plus World Mastercard
Issuer	Wells Fargo (Bilt)	Citizens Bank
Network	Mastercard	Mastercard
Card Material	Metal	Plastic
Annual Fee	$0.00	$0.00
Base Rate	1.00%	1.80%
Travel Rewards	2.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.8% (base)
Restaurants	3.0%	1.8% (base)
Travel	2.0%	1.8% (base)
Rent (up to 100,000 points per year)	1.0%	1.8% (base)
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	14 partners	None
Annual Credits	None	None

Transfer Partners

1:1

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Pricing Details

Purchase APR	21.49% - 29.49%	17.99% - 25.99%
Cash Advance APR	29.49%	27.99%
Penalty APR	N/A	N/A
Late Fee	$40	$40
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	Primary	Secondary
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	Up to $800 per claim	—
Extended Warranty	—	—
Purchase Protection	Up to $10,000 per claim	—
Return Protection	—	—
Trip Cancellation Interruption	Up to $5,000 per passenger	—
Trip Delay	Up to $200 per day (max $1,800)	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard