Citizens Trust Bank Credit Cards

Citizens Trust Bank is a bank and credit card issuer located in Atlanta, GA. The bank issues personal and business credit cards for everyday use. Browse credit card offers below.

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Citizens Trust Bank VISA Prestige Elite Credit Card

Citizens Trust Bank VISA Prestige Elite Credit Card
  • Regular Purchase APR 7.25% to 10.25% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 7.25% to 10.25% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 7.25% to 10.25% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Earn 1 point for every dollar spent on purchases
Rates & Fees
  • Regular Purchase APR: 7.25% to 10.25% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 7.25% to 10.25% 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: 7.25% to 10.25% 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%
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $32
  • Over Limit Penalty Fee: Up to $30
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Citizens Trust Bank VISA Classic Secured Credit Card

Citizens Trust Bank VISA Classic Secured Credit Card
  • Regular Purchase APR 17.74% variable based on the Prime Rate
  • Balance Transfer APR 17.74% variable based on the Prime Rate
  • Cash Advance APR 17.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Rebuild your credit with on-time payments
  • Enjoy Visa benefits and protections
Rates & Fees
  • Regular Purchase APR: 17.74% variable based on the Prime Rate
  • Balance Transfer APR: 17.74% 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: 17.74% 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: 21%
  • Late Payment Penalty Fee: Up to $30
  • Return Payment Penalty Fee: Up to $32
  • Over Limit Penalty Fee: Up to $30
Credit Card Deals

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Join today!

Citizens Trust Bank Visa Privilege Credit Card

Citizens Trust Bank Visa Privilege Credit Card
  • Regular Purchase APR 11.74% to 19.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.74% to 19.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.74% to 19.74% variable based on creditworthiness and the Prime Rate
  • Annual Fee $25
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Fair
  • Processing Network Visa
Best Benefits
  • Rebuild credit with on-time payments
  • Great low APR for purchases, balance transfers, and cash advances
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 11.74% to 19.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 11.74% to 19.74% 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: 11.74% to 19.74% 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
Credit Card Deals

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

About Citizens Trust Bank

Citizens Trust Bank is a regional bank centered in the Greater Atlanta area, but with branches as far afield as Alabama. The bank prides itself on its community involvement – and its dedication to customers.

Citizens Trust Bank offers a full assortment of services and products for small businesses and consumers. These products and services include loans, mortgages, HELOC loans, credit cards, and savings and checking accounts.

Citizens Trust Bank Locations

Citizens Trust Bank currently operates ten branches in Alabama and Georgia, with most branches in the Greater Atlanta Metropolitan Area.

Georgia branches are located in:

  • Atlanta
  • East Point
  • South Fulton
  • Stonecrest
  • Stone Mountain

Alabama branches are located in:

  • Birmingham
  • Eutaw

For a complete listing of Citizens Trust Bank branches, including directions, hours, and ATM locations, please visit the bank’s dedicated locations page.

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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