If you are looking for a credit card with low interest rates without too many other frills then the Citizens Bank Clear Value® MasterCard® might be the right card for you. There are a ton of credit card options available for you these days with a variety of options, you’ve got to figure out what your priority is.

Credit cards rewards are a major dealmaker or dealbreaker for many people. These rewards can come at the expense of optimal interest rates. The Citizens Bank Clear Value® MasterCard® does not have points or cash back rewards, but it has no annual fee and no-interest period too. 

So before starting out on a hunt for a new credit card, make sure you know what is right for your lifestyle. You know your budget, and monthly free money capacity so make sure you find a credit card that is going to work with you instead of against you. Our editor’s have gone through the particulars of this Citizens Bank card so you can decide whether it is right for you.

What are the Benefits of a Citizens Bank Clear Value® MasterCard®

Citizens Bank assures you that you shouldn’t worry about the safety of your credit card. You can apply for online banking and will be able to transact online. From there, you have plenty of at-home control and ability to review your statements and purchases. Furthermore, you will also have Zero Liability Protection against unauthorized purchases, and guaranteed FDIC insurance protects your deposit accounts.

When shopping, you can rest assured that you Citizens Bank Clear Value® MasterCard® is extra secure with the chip-enabled feature. When you receive your Citizens Bank credit card, connect it with Apple Pay for even more convenience at the check-out counter.

Now that you’re familiar with some of this card’s benefits, you need to check out the fees associated with the card. Take into account whether there is an annual fee, the interest rate, late charges and anything else that affects you like balance transfer. 

What are the Fees of the Citizens Bank Clear Value® MasterCard®

It is always advisable to pay your credit card on time to avoid incurring additional charges set by the bank. Here are some of the most common credit card charges with this particular card:

  • 0% introductory APR on balance transfers (first 18 billing cycles)
    and 14.99%, 18.99%, or 22.99% variable based on your creditworthiness after that
  • 14.99%, 18.99%, or 22.99% APR based on your creditworthiness
  • Up to $38 late payment fee
  • $10 or 3% balance transfer fee
  • $10 or 3% cash advance fee ($20 or 5% for cash equivalent transactions)
  • $1.50 or 3% foreign transaction fee of the U.S dollar of each transaction
  • $0 annual fee

For more detailed information regarding fees and rates, visit the Citizens Bank website.

How to Apply for a Citizens Bank Clear Value® MasterCard®

To be eligible for the Citizens Bank Clear Value® MasterCard®, you must be 18 years or older with a social security number and a driver’s license or state ID. You must also be able to show proof of a stable income in the form of pay-slips or tax documents.

It’s very straightforward to apply and fill out the online application form on the Citizens Bank website. Note that you will be asked to provide your personal information, including your address, contact number, and income details. To ensure that your private and personal information remains secure and confidential, the bank uses the highest form of Internet security technology.

You will hear back shortly regarding whether or not your application has been deemed successful, but it usually occurs within 7-10 days.

How to Contact Citizens Bank

Head office

One Citizens Plaza
Providence, Rhode Island 02903 

Telephone: 1-800-922-9999

Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions page for more information.

Conclusion

Overall, the Citizens Bank Clear Value® MasterCard® offers plenty of worthwhile perks and privileges that nobody should miss out on. If the above rates and benefits interest you, visit the Citizens Bank website and apply now to begin enjoying a world of credit card benefits.