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About Our Ratings
Credit Needed
Excellent

Citizens Bank Clear Value™ MasterCard® Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Annual Fee
None

This card compared to other cash back cards

Card Name
Citizens Bank Clear Value™ MasterCard®
Cashback on Gas
1%
5% Earnings for $5k and 2% after
Cashback on Groceries
1%
5% Earnings for $5k and 2% after
Cashback on other
5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
5% Earnings for $5k and 2% after
Purchase Intro
APR:
N/A
APR:
0%
Period:
14 months
APR:
0% intro on purchases
Period:
12 months
Purchase APR
13.99%, 16.99% or 19.99% (Variable) 
11.24% - 23.24% Variable 
13.15% - 23.15% (V) (V)
CardRatings.com Editorial Staff

Citizens Bank Clear Value™ MasterCard® details

Balance Transfer Intro APR:
0.00% introductory APR for the first 15 billing cycles from date of account opening
Balance Transfer Intro Period:
15 billing cycles
Purchase Intro:
APR:
N/A
Purchase APR:
13.99%, 16.99% or 19.99% (Variable)
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 LIBOR
 LIBOR
 LIBOR
Margin:
 12.99%, 15.99% or 18.99% (See Notes)
 12.99%, 15.99% or 18.99% (See Notes)
 21.74%
APR:
  13.99%, 16.99% or 19.99% (Variable)
 13.99%, 16.99% or 19.99% (Variable)
 22.74% (Variable)
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 0.00% introductory APR for the first 15 billing cycles from date of account opening
 N/A
Intro Period:
 N/A
 15 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:
 None
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 4% of the amount of each transfer, whichever is greater  


Notes:

Rebate Description:
 N/A
Special Notes:
 APRs are as stated per Citizens Bank website: 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 12.99, 15.99, or 18.99 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 Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • You could turn $200 into $400 with Cashback Match(TM). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
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Credit Needed:
Excellent/Good
Apply online for BuyPower Card from Capital One®

BuyPower Card from Capital One®

  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
  • 0% intro APR on purchases for 12 months, then a 13.15% - 23.15% variable APR on purchases will apply
Credit Needed:
Excellent/Good