Bank · FDIC insured
Citizens Bank of Kentucky Credit Card Rates
Citizens Bank of Kentucky credit cards start at 13.99% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Citizens Bank of Kentucky’s credit card rates compare
Compared with banks and credit unions near Pikeville, KY, where Citizens Bank of Kentucky has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Citizens Bank of Kentucky
13.99%APR
- Annual fee
- None
- Up to
- —
Low - rate Card
2nd-lowest rate
Truist Bank
13.99%APR
- Annual fee
- $450
- Up to
- —
3rd-lowest rate
Commonwealth Credit Union
14.90%APR
- Annual fee
- None
- Up to
- 18.00% APR
Citizens Bank of Kentucky credit card score
63
Credit card score
Higher than 9% of U.S. banks and credit unions
- Purchase APRPurchase APR13.99%
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 of Kentucky 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.
Low - rate Card
Loans are subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | Introductory APR for the first six months on purchases, balance transfers, and cash advances. |
| Ongoing | 15.24% | None | Variable ongoing APR for purchases, balance transfers, and cash advances determined by adding 6.99% to Prime Rate. Account will never have an APR over 21%. |
Sources (2)
- wercitizens.bank/wp-content/up…/4781-MC-06-2023-CON.pdf
- wercitizens.bank/personal-products/credit-cards
All captured Oct 5, 2026
World / Preferred Points Rewards
Loans are subject to credit approval. If you do not qualify for a World Card and you qualify for a Preferred Points Card, you will automatically be offered a Preferred Points Card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | Introductory APR for the first six months on purchases, balance transfers, and cash advances. |
| Ongoing | 20.24% | None | Variable ongoing APR for purchases, balance transfers, and cash advances determined by adding 11.99% to Prime Rate. Account will never have an APR over 21%. |
Sources (2)
- wercitizens.bank/wp-content/up…/4781-MC-06-2023-CON.pdf
- wercitizens.bank/personal-products/credit-cards
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.