Citizens Bank Clear Value Mastercard
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| Purchase APR (Variable APR) |
16.24% - 24.24% (Verified 10/25/2022) |
| Balance Transfer APR (Variable APR) |
16.24% - 24.24% (Verified 10/25/2022) |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Citizens Bank Clear Value Mastercard Review
This 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.
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 16.24% up to 24.24%.
- 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 3% on balance transfers. For example, a balance of $1,000 could cost $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 will have good approval odds if your credit score is above 600.
Pros & Cons of Citizens Bank Clear Value Mastercard
| The Good | The Bad |
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Citizens Bank Clear Value Mastercard FAQ
Does Citizens Bank Clear Value Mastercard have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Citizens Bank Clear Value Mastercard benefits?
It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance.Citizens Bank Clear Value Mastercard has a variable purchase APR that ranges from 16.24% up to 24.24%. The card has a variable balance transfer APR that ranges from 16.24% up to 24.24%. It also has a variable cash advance APR of 27.24% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Citizens Bank Clear Value Mastercard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 18 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 18 months |
| Balance Transfer APR | 16.24% - 24.24% |
| Balance Transfer Fee Minimum | $10 |
| Balance Transfer Fee % | 3% |
Does Citizens Bank Clear Value Mastercard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Citizens Bank Clear Value Mastercard?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | $0 |
| Late Payment Fee | up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
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 foreign transaction fees.What is the customer service phone number for Citizens Bank Clear Value Mastercard?
The Citizens Bank Clear Value Mastercard customer service number is (877) 360-2472.
What is the Citizens Bank Clear Value Mastercard login page?
You can access the Citizens Bank Clear Value Mastercard login page here.
How do people rate the customer service and user experience of Citizens Bank Clear Value Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
1 Citizens Plz
Providence, RI 02903 USA - (877) 360-2472
- Visit Site
Other Services by Citizens Bank
Availability
- Connecticut
- Delaware
- Massachusetts
- Michigan
- New Hampshire
- New Jersey
- New York
- Ohio
- Pennsylvania
- Rhode Island
- Vermont
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 5% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $1.50 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | $0 |
| Late Fee Amount | Up to $40 |
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