The Shared Interest Gold Rewards Low Rate Visa by Citizens Bank is a low interest rate rewards card that gives charitable donations with every use and includes several insurance benefits. Earn one My Visa Rewards Plus point for every dollar 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. The card comes included with the following insurance benefits including travel accident insurance and car rental insurance. Balance protection can be included for an additional fee. You will earn a sign up bonus of 2500 points as well as a 3500 point yearly bonus.