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  Citizens Bank Clear Value Mastercard

Citizens Bank Clear Value Mastercard

in Personal Credit Cards from Citizens Bank

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Citizens Bank Clear Value Mastercard

Unaffiliated

in Personal Credit Cards from Citizens Bank

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Highlights
Purchase APR  (Variable APR) 13.99% - 21.99%
Balance Transfer APR  (Variable APR) 13.99% - 21.99%
Credit Score Range 600 - 850
Annual Fee $0

Citizens Bank Clear Value Mastercard Review

Citizens Bank Clear Value Mastercard is a credit card issued by Citizens Bank. If you're wondering whether Citizens Bank Clear Value Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer than the average 0% APR period of 12 months.
  • Competitive APRs. Citizens Bank Clear Value Mastercard has a variable purchase APR that ranges from 13.99% up to 21.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Citizens Bank Clear Value Mastercard charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, travel accident insurance, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.
Citizens Bank Clear Value Mastercard Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 18 months.
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Considers applicants with fair or poor credit.
  • Citizens Bank Clear Value Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
Citizens Bank Clear Value Mastercard FAQ

Is there a Citizens Bank Clear Value Mastercard cash back or rewards program?

No, Citizens Bank Clear Value Mastercard does not offer a rewards program.

What are the Citizens Bank Clear Value Mastercard benefits?

Citizens Bank Clear Value Mastercard provides the following benefits:

  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Citizens Bank Clear Value Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Citizens Bank Clear Value Mastercard has lower than average purchase APRs.

Citizens Bank Clear Value Mastercard has a variable purchase APR that ranges from 13.99% up to 21.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 21.99%. It also has a variable cash advance APR of 24.99% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Citizens Bank Clear Value Mastercard have an introductory APR offer on balance transfers?

Yes, Citizens Bank Clear Value Mastercard offers an introductory APR rate on balance transfers of 0% for a period of up to 18 months.

Citizens Bank Clear Value Mastercard Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 18 months
Balance Transfer APR 13.99% - 21.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Does Citizens Bank Clear Value Mastercard have an introductory APR offer on new purchases?

Citizens Bank Clear Value Mastercard does not offer an introductory rate on new purchases.
Citizens Bank Clear Value Mastercard Purchase Intro Offer
Description

What are the fees for Citizens Bank Clear Value Mastercard?

The following fees apply to Citizens Bank Clear Value Mastercard:

  • There is no overlimit fee
Citizens Bank Clear Value Mastercard Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $0
Late Payment Fee up to $40

Does Citizens Bank Clear Value Mastercard have a foreign transaction fee?

Citizens Bank Clear Value Mastercard charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Citizens Bank Clear Value Mastercard report your account activity to credit bureaus?

Yes, Citizens Bank Clear Value Mastercard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Citizens Bank Clear Value Mastercard

  • Visit the Citizens Bank Clear Value Mastercard website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 11 states
  • Connecticut
  • Delaware
  • Massachusetts
  • Michigan
  • New Hampshire
  • New Jersey
  • New York
  • Ohio
  • Pennsylvania
  • Rhode Island
  • Vermont

Feature Breakdown

No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1.50
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 24.99%
Balance Computation average daily balances (including new purchases)
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 13.99% - 21.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 18 months
Balance Transfer APR (Variable APR) 13.99% - 21.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Low Interest
Card Network Mastercard

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SUPERMONEY NET RECOMMENDATION SCORE

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