Bank · FDIC insured
Citizens Bank & Trust Credit Card Rates
Citizens Bank & Trust credit cards start at 15.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Citizens Bank & Trust’s credit card rates compare
Compared with banks and credit unions near Huntsville, AL, where Citizens Bank & Trust has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Citizens Bank & Trust
15.00%APR
- Annual fee
- $35
- Up to
- —
The Citizens Bank & Trust Platinum Visa Card - Cash Back
Lowest rate
Alabama Credit Union
8.90%APR
- Annual fee
- None
- Up to
- 12.90% APR
2nd-lowest rate
Rocket City FCU
9.75%APR
- Annual fee
- None
- Up to
- —
Citizens Bank & Trust credit card score
61
Credit card score
Higher than 5% of U.S. banks and credit unions
- Purchase APRPurchase APR15.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Citizens Bank & Trust ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
The Citizens Bank & Trust Platinum Visa Card - Cash Back
Issued by ServisFirst Bank. All applications are subject to ServisFirst Bank's underwriting guidelines and credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | $35 | 0% introductory Annual Percentage Rate (APR) on purchases for the first seven billing cycles. We may end your introductory APR and apply the Penalty APR if you do not pay the full amount of any minimum payment due within 60 days of its payment due date. Earn 1% cash back on purchases. |
| Ongoing | 15.00% | $35 | Variable APR of Prime + 8.00% for purchases, balance transfers, and cash advances after the introductory period. Prime equals 7.00% as published by the Wall Street Journal as of 9/17/26. Earn 1% cash back on purchases. |
Sources (1)
- citizensbanktrust.com/borrow/c…ersonal-credit-card.html · captured Oct 15, 2026
The Citizens Bank & Trust Platinum Visa Card - Platinum
Issued by ServisFirst Bank. All applications are subject to ServisFirst Bank's underwriting guidelines and credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | 0% introductory Annual Percentage Rate (APR) on purchases for the first seven billing cycles. We may end your introductory APR and apply the Penalty APR if you do not pay the full amount of any minimum payment due within 60 days of its payment due date. |
| Ongoing | 17.00% | None | Variable APR of Prime + 10.00% for purchases, balance transfers, and cash advances after the introductory period. Prime equals 7.00% as published by the Wall Street Journal as of 9/17/26. |
Sources (1)
- citizensbanktrust.com/borrow/c…ersonal-credit-card.html · captured Oct 15, 2026
Opening an account
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