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.

• 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.

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.

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.

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 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.