Popular Credit Card Questions
There are no application fees for applying.
In most cases, it takes 7-10 days. However, it may take up to 30 days to process your 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.
Balance Transfers
Once you take advantage of a balance transfer, you will pay interest on all purchases made with your credit card unless you pay your entire statement balance (including any transferred balances) in full by the statement due date.
Yes. Please see the important information about rates and fees found with each card's description.
Generally, we apply payments to balances with lower APRs before balances with higher APRs. However, any amount you pay that is above your minimum payment due will be applied to your highest-rate balances first.
No, balance transfers may not be used to make payments on other Accounts issued or held by us or any of our affiliates.
If you don't pay off the entire balance by the time your promotional offer ends, your interest rate will be treated the same as the standard APR on Purchases.
Each transaction you make using balance transfer checks will reduce your available credit by the total amount of each transaction, including any fee for each transaction. Please make sure the total of all your checks, fees, interest and outstanding transactions do not exceed your credit limit.
Yes, make payments to your other lender until you see the transfer show up on their statement. And if you want to completely close your other account; you should contact the lender directly.
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Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Credit cards are issued by Citizens Bank, N.A.
Cash back rewards of 1.8% on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Points will not expire as long as your account is in good standing and you make an eligible purchase once every twelve months; your points will be forfeited if these conditions are not met. This program is subject to change. See your Cardholder Agreement and Rewards Guide for full terms. You are responsible for taxes owed from cash back rewards earned and/or redeemed. Please consult your tax advisor.
