Charter One Platinum MasterCard®

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
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Fair Credit Personal $0* 0.00% for 12 Months N/A* 13.99%* - 18.99%* None
Important Notice: This RBS National Bank credit card is no longer available, or we are no longer authorized by the bank to provide information about this card. We are displaying limited archived data. Some information may be incomplete, inaccurate or missing. We apologize for the inconvenience. Here are some of the most popular cards on Finance Globe:

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 introductory balance transfer offer APR of 0.00% for 12 Months*. There is no annual fee for this card.*

This is not a rewards card. It is normal for cards for fair and poor credit histories to not offer rewards.

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. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any RBS National Bank product.

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 new purchases during this time. 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, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 100% of 1 user recommend this card.

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