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Card Basics

 

Type Credit Needed Category Annual Fee Intro APR Regular APR Rewards Grace Period
MasterCard Fair Credit Consumer $0* 0.00% for 12 Months on Balance Transfers 13.99%* - 18.99%* (Variable)* None 27 Days*

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Charter One Platinum MasterCard

Related Card Offer:
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Charter One Platinum MasterCard®

Quick Summary:
This MasterCard offer is issued by RBS National Bank. This card is intended for consumers, or "personal use" with a fair credit history. APR's may vary among applicants, however the lowest standard APR is 13.99%* and may be as high as 18.99%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is a balance transfer offer APR of 0.00% for 12 Months*. The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 10.74% to the U.S. prime rate.

There is no annual fee for this card.*

Rewards:
This is not a rewards card.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 634 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
The grace period listed for the Charter One Platinum MasterCard® is at least 27 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of MasterCard, where acceptance is global. Most businesses that accept credit cards will accept MasterCard as a form of payment.

Approval Rate:
There were 2 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 50% of those applicants were approved.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 634, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks.

Offer Details:

No card is accepted at more places worldwide, plus it gives you a great combination of savings, services and security.

  • No Annual Fee
  • Fixed 0% APR on purchases and balance transfers for
    10 months*
  • 10.99%, 12.99% or 15.99% variable APR thereafter*
  • 20-day, interest-free grace period on purchases*
  • Online Account Access - 24 hour a day, 7 days a week
  • Extended Warranty Protection*
  • MasterRental Insurance*
  • 0% liability for any transactions resulting from a lost or
    stolen card - including online transactions
  • Year-End Account Summary




* Disclaimer: Please see the credit card application for details about the offer as well as the terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

 

 


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Consumer Card Rate Comparison

APR13.99%* - 18.99%* (Variable)*
Avg. APR16.82%**
Annual Fee$0*
Avg. Annual Fee$5.32**

**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

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