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About Our Ratings
Credit Needed
Excellent

Citizens Bank Clear Value™ MasterCard® Review

Top Features

Cashback on Gas
N/A
Cashback on groceries
N/A
Cashback on other
N/A
Annual Fee
None

This card compared to other cash back cards

Card Name
Citizens Bank Clear Value™ MasterCard®
Cashback on Gas
N/A
2% at U.S. gas stations
1-5%
Cashback on Groceries
N/A
3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
1-5%
Cashback on other
N/A
1% back on other purchases.
5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Purchase Intro
APR:
N/A
APR:
0% on Purchases
Period:
for 12 months
APR:
0%
Period:
14 months
Purchase APR
12.99%, 16.99% or 20.99% (Variable) 
13.74%-24.74% Variable 
11.74% - 23.74% Variable 
Rates and Fees
CardRatings.com Editorial Staff

Citizens Bank Clear Value™ MasterCard® details

Balance Transfer Intro APR:
0.00% introductory APR for the first 18 billing cycles from date of account opening
Balance Transfer Intro Period:
18 billing cycles
Purchase Intro:
APR:
N/A
Purchase APR:
12.99%, 16.99% or 20.99% (Variable)
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 LIBOR
 LIBOR
 LIBOR
Margin:
 11.74%, 15.74% or 19.74% (See Notes)
 12.99%, 15.99% or 18.99% (See Notes)
 21.74%
APR:
  12.99%, 16.99% or 20.99% (Variable)
 12.99%, 16.99% or 20.99% (Variable)
 22.99% (Variable)
APR Floor:
 N/A
 N/A
 N/A
Intro Rate:
 N/A
 0.00% introductory APR for the first 18 billing cycles from date of account opening
 N/A
Intro Period:
 N/A
 18 billing cycles
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 Up to 29.99% (Fixed); If your APRs are increased due to any default (as described above), the Penalty APR may apply indefinitely
Default/Penalty Margin:
 N/A
Default/Penalty APR Floor:
 N/A
Maximum Default APR:
 29.99% (Fixed)
Penalty/Default Trigger:
 This APR may be applied to your account if you (1) fail to make the minimum payment by the payment due date; (2) exceed your Cash Advance Limit or your Total Credit Limit; or (3) make a payment that is returned or dishonored.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 Either $1.50 or 3% of the U.S. dollar amount of each transaction, whichever is greater.
Late Fee:
 Up to $38
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either $10 or up to 3% of the amount of each transfer, whichever is greater  


Notes:

Rebate Description:
 N/A
Special Notes:
 The APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the LIBOR Index to a margin of 11.74, 15.74, or 19.74 percentage points. The APR for Cash Advances is determined monthly by adding the Index to a margin of 21.74 percentage points. Returned Payment Fee: None.
Credit Card More Information:

Card Issued By:
 RBS Citizens, N.A.
General Correspondence Address:
73 Tremont Street
Boston, MA 2110
Card Type:
 MasterCard
Card Class:
 Platinum
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.74% to 24.74%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express(R) Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
Terms and Limitations Apply
Credit Needed:
Excellent, Good
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  • You could turn $200 into $400 with Cashback Match(TM). Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
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Credit Needed:
Excellent, Good