© Copyright 2014 Citizens Financial Group. All rights reserved.
Charter One is a brand name of RBS Citizens, N.A. (NMLS ID# 433960).
All accounts are subject to individual credit approval.
MasterCard is a registered trademark of MasterCard International.
Credit cards are issued by RBS Citizens, N.A.
Certain conditions, restrictions and exclusions apply. Full terms and conditions will be sent when you become a cardmember.
You are solely responsible for any taxes that may be owed as a result of rewards earned and/or redeemed under this card. Please consult your tax advisor. RBS Citizens, N.A. does not provide tax advice.
Once you have applied for an account, you will be notified of the status within 30 days. Your 90 day promotional offer will start on the date your account is approved allowing up to an additional 20 days for you to receive and activate your card. Your card typically arrives within 10 days once your application is approved.
This is your first 12 billing cycles. At the time of application, balance transfer fees apply — an introductory fee of 3% of the amount of each transfer or $10, whichever is greater. Thereafter, either 4% of the amount of each transfer or $10, whichever is greater. APR based on creditworthiness. Rates can vary based on our review of your application and credit history.
As of 3/7/2014. We will determine your margin and APR based upon our review of your application and your credit history. If approved, your margin and APR will be shown on the Pricing Addendum, which will be provided with your credit card and your Agreement.
Zero liability applies to "unauthorized" purchases made in the store, by telephone or online. "Unauthorized" use means that you did not provide, directly, by implication or otherwise, the right to use your card and you received no benefit from the "unauthorized" purchase. The conditions that need to be met are the following: You have exercised reasonable care in safeguarding your card from any unauthorized use. You have not reported two or more unauthorized events in the past 12 months. Also, your account must be in good standing. This does not apply if a PIN is used for the unauthorized purchases. Conditions and exceptions apply. Go to http://www.mastercard.us/zero-liability.html
Certain conditions, restrictions and exclusions apply. See your Guide to Benefits for complete program details.
When you pay your account balance in full by the due date.