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Citizens Trust Bank Visa Privilege Credit Card
Citizens Trust Bank Visa Privilege Credit Card
- 16.49% to 24.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.49% to 24.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 16.49% to 24.49% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Citizens Trust Bank VISA Privilege Credit Card is a credit-builder card that is an excellent step-up from Citizen Trust Bank’s Classic-Secured Card. The card features a competitive APR that is uniform for purchases, balance transfers, and cash advances, and no foreign transaction fees – all for an annual fee of $25.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Rebuild credit with on-time payments
- Great low APR for purchases, balance transfers, and cash advances
- No foreign transaction fees
- Regular Purchase APR: 16.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each balance transfer, whichever greater
- Cash Advance APR: 16.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each balance transfer, whichever greater
- Penalty APR: 25%
- Annual Fee: $25
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $32
- Over Limit Penalty Fee: Up to $30
- You already have a Citizens Trust Bank Secured Card and want to graduate to an unsecured card
- You don’t want to pay foreign transaction fees
- You don’t mind paying a $25 annual fee
Citizens Trust Bank VISA Classic Secured Credit Card
Citizens Trust Bank VISA Classic Secured Credit Card
- 22.49% variable based on the Prime Rate Regular Purchase APR
- 22.49% variable based on the Prime Rate Balance Transfer APR
- 22.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The Citizens Trust Bank VISA Classic-Secured Credit Card is an entry-level secured credit card that is a good option for those looking to boost their flagging credit score. The card features a fixed-rate APR on purchases, balance transfers, and cash advances, no foreign transaction fees, and no annual fee. Citizens Trust Bank is a great option for those looking for a straightforward path from no credit or poor credit to good or excellent credit – and the Classic-Secured Card is the first step on that path t
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Rebuild your credit with on-time payments
- Enjoy Visa benefits and protections
- Regular Purchase APR: 22.49% variable based on the Prime Rate
- Balance Transfer APR: 22.49% variable based on the Prime Rate
- Balance Transfer Transaction Fee: There is a $10 or 4% whichever greater balance transfer fee for this card
- Cash Advance APR: 22.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: There is a $10 or 4% whichever greater cash advance fee for this card
- Penalty APR: 22.49
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $32
- Over Limit Penalty Fee: Up to $30
- You’re looking to establish their credit score for the first time
- You have hit a few bumps in the road on your credit journey
- You don’t want to pay an annual fee to boost your credit score
- You already have a savings account with Citizens Trust Bank
Citizens Trust Bank VISA Prestige Elite Credit Card
Citizens Trust Bank VISA Prestige Elite Credit Card
- 12% to 15% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 12% to 15% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 12% to 15% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Citizens Trust Bank Visa Prestige Elite Card offers rewards, a low APR, no foreign transaction fees, and no annual fee in one package. Offered by Atlanta-based Citizens Trust Bank, the card is a great option for those who have sued the bank to rebuild their credit – and want to enjoy the fruits of their labor every day.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 1 point for every dollar spent on purchases
- Regular Purchase APR: 12% to 15% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12% to 15% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each balance transfer, whichever greater
- Cash Advance APR: 12% to 15% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each balance transfer, whichever greater
- Penalty APR: 21%
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $32
- Over Limit Penalty Fee: Up to $30
- You have built up your credit with other Citizens Trust Bank cards
- You want to earn rewards for every purchase – both at home and abroad
- You don’t want to pay an annual fee
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FAQs About Citizens Trust Bank
Here you’ll find answers to common questions about Citizens Trust Bank:
- The routing number for Citizens Trust Bank is 061010220.
- Customers can call Citizens Trust Bank customer service agents at 678-406-4000 or 1-888-214-3099 toll-free.
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