Tag Archives: Intro APR

Citizens Bank Clear Value Mastercard Credit Card

Introductory 0% APR for 18 months on balance transfers with a new Citizens Bank Clear Value® Mastercard®

Citizens Bank Clear Value Mastercard Credit Card

There is however an upfront 3% balance transfer fee, with a minimum charge of $10.

The Citizens Bank Clear Value® Mastercard® credit card, previously issued by Charter One Bank is available at no cost to you for purchases online or your favorite stores.

Features of the Clear Value® Mastercard®

  • ID theft protection for peace of mind 24/7
  • Extended warranty protection
  • Travel accident and baggage delay insurance
  • Zero liability for unauthorized activity on the credit card
  • Contactless purchases on select terminals

Other perks include:

  • No Annual Fee
  • 21-day, interest-free grace period on purchases
  • Free Online Account Access – 24 hours a day, 7 days a week
  • No returned payment fees
  • No over-the-credit limit fees
  • Year-End Account Summary

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.

Zions Bank Credit Card

Choose Zions Bank credit card best for you

Choose your credit card

Zions Bank offers customers three different card choices:

  • AmaZing Rate
    No Rewards
    Lowest APR
  • AmaZing Rewards
    1 for every $1 spent with no cap
    Up to 25% annual bonus
  • AmaZing Cash
    1% cash back rebate on purchases with no cap
    Up to 25% annual bonus

All feature

  • 0% APR on purchases for first 6 months
  • 0% APR on balance transfers (3% fee) for first 12 months
  • No annual fee
  • Zions AmaZing Deals
  • Purchase alert service
  • Fraud alert service
  • myPHOTOcard (personalization for added security)
  • Visa zero liability protection
  • Travelers insurance and assistance
  • Extended warranty manager

SunTrust Prime Rewards Mastercard

SunTrust Prime Rewards Mastercard

SunTrust Prime Rewards Credit Card balance transfer offer of 3 years at prime interest rate (currently 5.50%) with NO balance transfer fee is unmatched anywhere else.

Most banks offer introductory rates of 0% APR, but for a much shorter time frame and with transfer fees of 3% or more.

Importantly the funds must be transferred within the first 60 days of account opening.

As an alternative to a balance transfer SunTrust offers a whopping $100 statement credit when new account holders spend $500 on qualifying purchases within the first 3 months with their new card.

Be very careful not to mix credit card purchases with the transfers, because transfers may be treated as purchases and subject to the purchase interest rates.

The Prime Rewards cards earns 1% rewards on eligible purchases, with a redemption bonus for SunTrust accounts.

Introductory Offer
  • Prime interest rate on balance transfers for 3 years from account opening. Currently 5.50%, but check here for updates.
  • $100 in statement credit after $500 spend on qualifying purchases during the first 3 months after account opening
Rewards
  • Get one point for every eligible $1 spent on your credit card
  • Flexible rewards redemption options
    • Travel
    • Merchandise
    • Retail Gift Cards
    • Cash ($5 minimum)
      • Statement credit
      • Direct deposit to checking or saving accounts
      • SunTrust accounts receive 10%, 25%, or 50% bonus
Interest Rates as Annual Percentage Rate (APR)
  • Purchases paid in full within 25 days of statement date: 0%
  • Balances on statements after 25 days: 13.49% to 23.49%
  • Balance Transfers: 13.49% to 23.49%
  • Cash Advances: 27.24%
Fees
  • Annual Fee: none
  • Balance transfers: 3% ($10 min)
  • Cash Advances: 4% ($10 min)
  • Foreign transaction: none
  • Late penalty: $39
Free Benefits
  • Zero-liability on unauthorized use of the card
  • Card lock if it’s lost or stolen
  • EMV Chip Technology
  • Enroll in automatic payment feature to avoid late charges
  • Text or email alerts on purchases, balances, due dates, and more
  • Add authorized users for free, but they don’t pay for their charges
  • Free FICO score
Guide to SunTrust World Mastercard® Cardholder Benefits
  • Warranty extension where applicable
  • Auto collision waiver damage
  • Travel and emergency assistance (service fees may apply)
  • Travel accident insurance
  • Roadside assistance
  • 24/7 customer service

For application and important details visit the SunTrust Prime Rewards card web page.

For people not familiar with the Atlanta origins of SunTrust, in 1919 as Trust Company of Georgia, it provided underwriting services to The Coca-Cola Company and received $100,000 of the company’s first publicly traded stock for its services.

In 2012 SunTrust sold those shares for nearly $2 billion: its stake went up in value by 1,999,990% over those 93 years.

A little known fact was the secret formula for Coca-Cola was kept in a SunTrust vault until 2011, when it was transferred to the new World of Coca-Cola building in Atlanta, Georgia.
SunTrust Coca-Cola vault

Auburn University Credit Card

University of Auburn Visa Credit Card
Spirit of Auburn Visa credit card

Open a new Auburn University credit card and get an introductory cash bonus and 0% APR for 12 months.

To qualify for the $150 cash bonus you must charge at least $500 on your new card within the first 90 days of account opening.

Available at no cost to alumni and friends of Auburn University, two choices featuring the iconic Auburn University logo are available:

  • Cash Rewards World Mastercard credit card
  • Cash Rewards Visa Signature credit card

Besides the perks Auburn University alumni and friends cardholders receive, these cards contribute to Auburn’s scholarship fund at no additional cost. To date, this program has generated more than $4.5 million for freshman academic scholarships.

This is the only credit card that directly benefits the university.

Members benefits include

  • No annual fee
  • 3% cash back for the category of your choice
  • 2% cash back at grocery stores and wholesale clubs
  • 1% cash back on all other eligible purchases
  • Itemized list of all purchases for easy record-keeping and returns
  • Extended warranty on defective items
  • Zero liability fraud protection

Whether you are an alumni or friend of Auburn University apply here for a new Spirit of Auburn credit card and spread your holiday shopping expenses over an entire year at no interest.