Visa® Classic Secured® from Citizens Trust Bank Review
Visa® Classic Secured® from Citizens Trust Bank — all information about the credit card.
Updated December 18, 2023
Apply now
Recommended credit score
No Credit History to Poor (0-579)
- Rewards Rate:
- This card doesn't offer cash back, miles or points.
- Intro Offer:
- No current offer.
- Annual Fee:$0
- Purchase Intro APR:None
- Regular APR:22.99% Variable
- Balance Transfer APR:22.99% Variable
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Rate and fee information
- Purchase Intro APR
- None
- Purchase APR
- 22.99% Variable
- Intro Balance Transfer APR
- None
- Balance Transfers APR
- 22.99% Variable
- APR for Cash Advances
- 22.99% Variable
- How to Avoid Paying Interest
- Your due date is at least 25 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month. You will be charged interest on cash advances and balance transfers on the transaction date.
Fees
- Annual Fee
- $0
- Fees for Balance Transfer
- Either $10 or 4% of the amount of each transfer, whichever is greater
- Fees for Cash Advances
- Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty Fees
- 21.00%
- Return Payment
- Up to $32.00
- Late Payment
- Up to $35.00
Pros & Cons
Pros:
- No Annual Fee
- No Foreign Transaction Fee
Cons:
- High APR
Features
- No Annual Fee
- No foreign transaction fees
- Poor Credit
About the issuer
Citizens Trust Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Compare with other cards
First Progress Platinum Prestige Mastercard® Secured Credit Card
Recommended credit score
No Credit History to Fair (0-669)
- $49Annual Fee
- 14.74%Regular APR
- 1%Cash Back rewards on payments.
- NonePurchase Intro APR
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On First Progress’s site
First Progress Platinum Select Mastercard® Secured Credit Card
Recommended credit score
No Credit History to Fair (0-669)
- $39Annual Fee
- 18.74%Regular APR
- 1%Cash Back on payments made to your First Progress Secured credit card account.
- NonePurchase Intro APR
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On First Progress’s site
Unsecured
Destiny® Mastercard®
First Electronic Bank
Recommended credit score
No Credit History to Fair (0-669)
- *see terms*Annual Fee
- 35.90%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR
Apply now
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See Another Credit Cards in the Bank
Citizens Trust Bank Visa® Classic Secured® is an option for those, who need Classic features. With an APR of 22.99% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have No Credit History to Poor (0-579) credit score. With Citizens Trust Bank Visa® Classic Secured® you will get such features as No Annual Fee, No foreign transaction fees, Poor Credit, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.
Best for Low income
First Access Visa® Card
Recommended credit score
No Credit History to Fair (0-669)
- $75.00 for the 1st year, $48.00 afterAnnual Fee
- 35.99%Regular APR
- 1%Earn 1% cash back rewards on payments made to your First Access Credit Card.
- NonePurchase Intro APR
Apply now
On the First Access Visa® Card secure website