Citizens Trust Bank Credit Cards

We found 3 Citizens Trust Bank credit cards. Read on to get more insights.

By Hanna Volkava
Updated September 01, 2023

Best Credit Cards in September 2023

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Citizens Trust Bank Visa® Classic Secured®
Annual fee:
$0
Regular APR:
19.99% Variable
Our Rating:
2.82
scorer
Credit score
No Credit History to Poor (0-579)
  • Balance Transfer APR:
    19.99% Variable
  • Issuer name:
    Citizens Trust Bank
  • Details:

    The Citizens Trust Bank Visa® Classic Secured® Credit Card offers you the opportunity to build your credit history.

    The Card has no annual fee. The APR for purchases and balance transfers is 19.99% Variable.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • High APR
  • Benefits:
    • Rebuild your credit with on-time payments;
    • Upgrade to unsecured status.
Card detail
Citizens Trust Bank Visa Privilege
Annual fee:
$25 annually
Regular APR:
11.74% - 19.74% Variable
Our Rating:
2.58
scorer
Credit score
Fair (580-669)
  • Balance Transfer APR:
    11.74% - 19.74% Variable
  • Issuer name:
    Citizens Trust Bank
  • Details:

    The Citizens Trust Bank Visa Privilege Credit Card is a credit-builder card.

    The Card's annual fee is $25. The APR for purchases and balance transfers is 11.74% - 19.74% (Variable).

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • No Intro APR period
  • Benefits:
    • Rebuild credit with on-time payments;
    • Low APR for purchases, balance transfers, and cash advances.
Card detail
Citizens Trust Bank Visa® Prestige Elite
Annual fee:
$0
Regular APR:
9.50% - 12.50% Variable
Our Rating:
4.13
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1x Point on all purchases.
  • Balance Transfer APR:
    9.50% - 12.50% Variable
  • Issuer name:
    Citizens Trust Bank
  • Details:

    The Visa® Prestige Elite Credit Card from Citizens Trust Bank earns 1x point on all purchases.

    The Visa® Prestige Elite Card doesn't charge an annual fee. The Card's APR is 9.50% - 12.50% Variable.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No welcome bonus
  • Benefits:
    • 1x point on all purchases;
    • Digital wallets.
Card detail

How to Choose the Right Citizens Trust Bank Credit Card?

Choosing the best credit card from a specific credit card issuer can be difficult. Considering Citizens Trust Bank, there are three steps that can make your decision process easier.

First of all, you are to figure out your credit score. It varies from "PoorÔÇŁ to ÔÇťExcellentÔÇŁ, and the higher your credit is, the better Citizens Trust Bank options of credit cards are available to you.

Then, you should understand why you want a Citizens Trust Bank credit card and determine the most important aspects your future credit card should have. If you search for a credit card to improve your credit score, then look for the ones with large grace period and no annual fee. If you want to not spend money on interest, Citizens Trust Bank credit cards with the lowest interest and introductory rates are your option. In case you are looking for a credit card with cash rewards, pay attention to the rewards program the Citizens Trust Bank offers.

Finally, you should compare the Citizens Trust Bank offers you think are the best for you, but now considering all the aspects. In general, the best credit card fits the following characteristics: low interest rate, no fees, high credit limit, the finance charge calculations include one billing cycle only, and big rewards and sign-up bonuses. You can easily compare Citizens Trust Bank credit cards in the table below.

Side-by-Side Comparison of Citizens Trust Bank Credit Cards

Card Name APR Annual fee Rewards Intro offer
Visa® Classic Secured® 19.99% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Visa Privilege 11.74% - 19.74% Variable $25
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Visa┬« Prestige Elite 9.50% - 12.50% Variable $0
  • 1x Point on all purchases.
  • No current offer.
  • Conclusion

    Today, Citizens Trust Bank provides a wide range of credit cards with various features, yet itÔÇÖs important to find the one that designed for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us