Citizens Bank Shared Interest Classic Visa

Citizens Bank Shared Interest Classic Visa

Citizens Bank Shared Interest Classic Visa
Summary: Simple rewards Visa card with no annual fee that donates money with each transaction to charity

Description: 

The Shared Interest Classic Visa by Citizens Bank is a rewards card that gives charitable donations with every transaction and includes several insurance benefits.

Earn one My Visa Rewards Plus point for every two dollars spent. Points are redeemable for travel (with no blackouts or mandatory Saturday night stays), merchandise, Citizens Bank financial products and charitable donations.

Every time you use your card, Citizens Bank will donate $0.10 to support not-for-profit initiatives worldwide through the Shared Interest Fund.

This Visa card comes in three different varieties:

My VisaRewards Plus - No fee (19.5% interest rate)

My VisaRewards Plus with Low Rate Option - $50 / year fee (11.25% interest rate)

Low Rate Option (no rewards) - $25 / year fee (11.25% interest rate)

The card has insurance benefits including travel accident insurance and extended warranty / purchase protection. Balance protection can be included for an additional fee.

Overview

Version:
Standard
Credit required:
Fair
Card Type:
Visa
Reward Program: 
My Visa Rewards Plus
Issuer: 
Citizens Bank of Canada
Minimum Income: 
$15,000
Minimum Income Note: 
Student Visa Minimum $600
Minimum Credit Limit: 
$500
 

Annual Interest Rates

Interest Rate: 
19.5%
Cash Advance: 
19.5%
Balance Transfer: 
19.5%
Grace Period: 
21 days
Note: 
Low rate interest option available at 11.25% for additional fee
Minimum Payment: 
$10 or 3% (whichever is greater)
 

Annual Fees

Annual Fee: 
$0
Supplemental Cards: 
$0
 

Balance Protection

Insurance Plan: 
Balance Protection Plan
Age to Qualify: 
Under 70
Monthly Premium: 
$0.83 (per $100 of outstanding balance)
Maximum Benefit: 
$15000
 

Rewards

Earn 1 My VisaRewards Plus point for every 2 dollars spent (earn double points at the web site)
Travel / Vacation: 
Yes
Cash Back: 
No
Merchandise: 
Yes
Groceries: 
No
Vehicle Rebates: 
No
Charitable Donations: 
Yes
Health Care: 
No
Financial Products: 
Yes

Benefits

Car Rental Insurance: 
No
Extended Warranty: 
Yes
Travel Accident Insurance: 
Yes
Travel Medical Insurance: 
Yes*
Trip Cancellation Insurance: 
Yes*
Flight Delay Insurance: 
No
Baggage Insurance: 
No
Road Insurance: 
No
Balance Protection Insurance: 
Yes*
Indicates restrictions or additional fees may apply. Check the credit card's web site or fine print for more information.
 
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