Bank · FDIC insured
The Citizens Bank Credit Card Rates
The Citizens Bank credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How The Citizens Bank’s credit card rates compare
Compared with banks and credit unions near Daphne, AL, where The Citizens Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
The Citizens Bank
9.99%APR
- Up to
- 17.99% APR
Personal Credit Card
Lowest rate
Alabama Credit Union
8.90%APR
- Up to
- 12.90% APR
2nd-lowest rate
Mobile Educators Credit Union
8.90%APR
- Up to
- —
The Citizens Bank credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where The Citizens Bank 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.
Personal Credit Card
Subject to credit approval. Issued by TCM Bank, N.A.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99%–17.99% | None | Variable APR on purchases based on creditworthiness. |
| Intro, 6 months | 0.00% | None | 0% introductory APR on balance transfers for the first six billing cycles. After the introductory period, a variable APR of 9.99%–17.99% applies. A 3% balance transfer fee applies, waived for transfers made at account opening. |
Sources (1)
- tcbenterprise.com/banking/card-services/credit-cards · captured Sep 19, 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.