Citizens Bank Clear Value™ MasterCard®

Credit Card

The best credit card rate we offer comes with convenience, protection and great benefits.

  • Rates as low as 13.99% — ideal if you carry a balance
  • Up to 21-day grace period on all purchases1
  • No annual fee*

Introductory rate

  • 0% introductory APR on balance transfers for 15 billing cycles from date of account opening; thereafter, a 13.99%, 16.99% or 19.99% variable APR based on your creditworthiness4.


  • Variable purchase APR of 13.99%, 16.99% or 19.99%3 applies from account opening based on your creditworthiness

Money-saving features

  • No annual fee*

Shopping protection

  • Extended Warranty Protection doubles the original manufacturer’s or store brand warranty for up to one year4
  • Price Protection for 60 days from purchase4


  • Zero Liability Protection against unauthorized purchases5
  • Travel accident and baggage delay insurance4
  • Chip Technology enabled cards

Built in benefits

  • 24/7 online account management
  • Make purchases using Apple Pay™ in-store and in-app with participating merchants
  • Up to 21-day grace period on all purchases1
  • Year-end summary statement
  • View your FICO® Score for free online.

Frequently asked questions

Find answers to the most frequently asked questions about your Citizens Bank Clear Value MasterCard®.

What does it cost to apply?

There are no application fees for applying.

How long will it take to process my application?

In most cases, it takes two weeks. However, it may take up to 30 days to process your application.

Is the information I submit on this application secure?

Yes. We use the highest form of Internet security technology. This ensures that the private and personal information you are submitting remains secure and confidential.

Will I receive some sort of confirmation after I submit the online application?

Yes. After you submit your application, a confirmation page will appear on your screen. It may take a few moments, so please do not interrupt your browser during this process.

Is there an annual fee for the card?

No. You won't be charged an annual fee for the Citizens Bank Clear Value MasterCard®.

What MasterCard benefits do I get?

The purchases you make with your card have Extended Warranty Coverage which doubles the protection on most manufacturers' warranties up to one year. Plus, you get Price Protection, Identity Theft Resolution Services, travel accident insurance protection and an optional year-end account summary statement. For more information, click here.

Can I manage my account online?

Yes. Simply enroll in enroll in Citizens Bank Credit Card Online Services. You can see recent and past statements, pay your credit card bill, check balances and more online. Enrollment is free and available 24/7.

Where is my card accepted?

You can use your card at millions of MasterCard® locations worldwide – including online. No card is accepted in more places.

How can I make balance transfers with my card?

It’s easy. Just use the Balance Transfer checks in your Welcome materials. You may also click here or contact our Customer Service Department at 1-800-684-2222 for more information.

Will any balance transfer(s) I make appear on my next statement?

Balance transfers can take up to four weeks to process. Continue to pay the minimum monthly payments on the accounts you designate until the balance transfer payments appear as credits on those accounts.

What if I ever have a question or concern about my card?

Simply contact the Customer Service Department at 1-800-684-2222, Monday through Friday from 7 a.m. to 1 a.m. EST or Saturday and Sunday from 7 a.m. to midnight EST.


Contact Information

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