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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
Unlimited 1.5% cash back
1%
Cashback on Groceries
Unlimited 1.5% cash back
1%
Cashback on other
Unlimited 1.5% cash back
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
N/A
APR:
0% Intro APR on Purchases
Period:
15 months
APR:
0%
Period:
for 12 months
Purchase APR
13.99%, 16.99%, or 19.99%, based on your creditworthiness (Variable)
14.24%-23.24% Variable 
11.24% - 23.24% Variable 
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 Chase Freedom Unlimited ℠

Chase Freedom Unlimited ℠

  • NEW! Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good
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  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
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  • No annual fee.
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Credit Needed:
Excellent/Good