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Credit Needed
Excellent

Citizens Bank Clear Value™ MasterCard® Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Purchase APR
13.99%, 16.99%, or 19.99%, based on your creditworthiness (Variable)

This card compared to other cash back cards

Card Name
Citizens Bank Clear Value™ MasterCard®
Cashback on Gas
1% When You Buy, 1% As You Pay
Up to 3%
Cashback on Groceries
1% When You Buy, 1% As You Pay
Up to 2% at grocery stores
Cashback on other
1% When You Buy, 1% As You Pay
1%
Purchase APR
13.99%, 16.99%, or 19.99%, based on your creditworthiness (Variable)
13.24% - 23.24%* (Variable) 
13.24% - 23.24% Variable APR on purchases and balance transfers 
Rates and Fees
CardRatings.com Editorial Staff

Citizens Bank Clear Value™ MasterCard® details

Balance Transfer Intro APR:
0.00% introductory APR for the first 12 billing cycles from date of account opening
Balance Transfer Intro Period:
12 billing cycles
Purchase Intro:
APR:
N/A
Purchase APR:
13.99%, 16.99%, or 19.99%, based on your creditworthiness
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 LIBOR
 LIBOR
 LIBOR
Margin:
 13.49%, 16.49% or 19.49%
 13.49%, 16.49% or 19.49%
 21.74%
APR:
  13.99%, 16.99%, or 19.99%, based on your creditworthiness
(Variable)
 13.99%, 16.99%, or 19.99%, based on your creditworthiness
 22.24% (variable)
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 0.00% introductory APR for the first 12 billing cycles from date of account opening
 N/A
Intro Period:
 N/A
 12 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:
 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 13.49, 16.49, or 19.49 percentage points. Returned Payment Fee: None.
Credit Card More Information:

Card Issued By:
 RBS Citizens, N.A.
General Correspondence Address:
 73 Tremont Street
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 Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Credit Needed:
Excellent/Good
Apply online for BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and 3% on gas up to the first $1,500 in combined grocery/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards
Credit Needed:
Excellent/Good