All posts by Leonard Kreicas

Dream MasterCard

Dream MasterCard offers 0% APR for 6 months
plus 3 points per dollar on gas and groceries

kitten dreaming

The new Dream MasterCard from Chemical Bank features:

  • No late fees
  • No over-limit fees
  • No annual fee
  • No penalty rates
  • No pre-set spending limit
  • Free FICO 8 score
  • No limit on the number of points a customer can earn
  • Three points per dollar spent on qualifying gas and grocery purchases
  • One point per dollar spent on all other qualifying credit card purchases
  • Reward points can be redeemed for Maximum Rewards, gift cards or even cash back

Making your purchases with a credit card makes more sense than paying with cash when the bill is paid in full every month.

Sometimes you may change your mind about the purchase. Using a credit card gives you additional flexibility in making returns, subject to the merchant’s return policy.

With the Dream MasterCard you get these perks for your peace of mind: 

  • Try before you pay
  • 21-day, interest-free grace period on purchases
  • Free Online Account Access – 24 hours a day, 7 days a week
  • Extended Warranty Protection
  • 90-day price protection
  • MasterRental Insurance
  • 0% liability for any transactions resulting from a lost or stolen card
  • Year-End Account Summary

Remember to get the full benefits of the Dream credit card make your payments when due, stay within your credit limit, and be sure payments are not dishonored for any reason.

The Dream MasterCard is issued by First Bankcard, a division of First National Bank of Omaha.

Go here for Dream MasterCard account application and details.

Citizens Financial Credit Card

Introductory 0% APR for 6 months on new Citizens Financial Credit Card Accounts.

Charter One Accelerator Rewards CardAlso benefit from an offer to transfer balances at an introductory 0% APR for the first 12 months.

There is however an upfront balance transfer fee, with a minimum charge of $10.

The Citizens Financial Credit Card, also known as the Charter One Bank Cash Back Plus World MasterCard is available at no cost to you and you can cancel any time.

After 90 days your Citizens Financial credit card continues giving:

• Earn up to 1.8% on purchases
• 10% rewards purchase bonus (see details)
• Cash back checks are issued in increments of $50

Other perks included at no charge to you are:

  • No Annual Fee
  • No foreign transaction fee
  • 21-day, interest-free grace period on purchases
  • Free Online Account Access – 24 hours a day, 7 days a week
  • Extended Warranty Protection
  • 120-day price protection
  • MasterRental Insurance
  • 0% liability for any transactions resulting from a lost or stolen card
  • Year-End Account Summary

Apply here for your Charter One Bank Cash Back Plus World MasterCard.

About Citizens Financial Group

In 1828, Citizens Financial Group got its start as a small community bank called the High Street Bank in Providence, Rhode Island.

Citizens Financial Group, Inc. is a $132 billion commercial bank holding company, which is headquartered in Providence, RI, and through its subsidiaries has more than 1,500 branches, approximately 3,900 ATMs and more than 20,900 employees.

It operates its branch network in 12 states and has non-branch retail and commercial offices in about 40 states.