Citizens Trust Bank VISA Classic – Secured Credit Card
- Annual fee
- None
- Recommended credit
- Poor / No Credit Required
- Card network
- Visa
- Regular purchase APR
- 22.74% variable based on the Prime Rate
At a glance
The Citizens Trust Bank VISA Classic-Secured Credit Card is an entry-level secured credit card that is a good option for those looking to boost their flagging credit score. The card features a fixed-rate APR on purchases, balance transfers, and cash advances, no foreign transaction fees, and no annual fee. Citizens Trust Bank is a great option for those looking for a straightforward path from no credit or poor credit to good or excellent credit – and the Classic-Secured Card is the first step on that path t
Our review of the Citizens Trust Bank VISA Classic
The Citizens Trust Bank VISA Classic-Secured Credit Card is a great option for rebuilding credit. This secured card is the first step in Citizens Trust Bank’s lineup of credit card products, offering a path to an unsecured card for those who demonstrate responsible financial habits.
Who Can Benefit from a Secured Card?
Secured credit cards are ideal for individuals who are working to rebuild their credit. These cards require a cash deposit to secure the credit limit, making them accessible to those who may not qualify for an unsecured card. With on-time payments, cardholders can eventually graduate to an unsecured card and receive their deposit back.
Card Features
The Classic-Secured Visa Card offers a competitive fixed APR for purchases, balance transfers, and cash advances. With no foreign transaction fees and no annual fee, this card is a practical tool for building credit both domestically and internationally.
Should You Apply for the Citizens Trust Bank VISA Classic-Secured Credit Card?
While the Citizens Trust Bank VISA Classic-Secured Credit Card may not have flashy rewards or perks, it serves its purpose well as a reliable tool for credit rebuilding. With no annual fee and no foreign transaction fees, this card is a solid choice for those looking to establish or improve their credit history.
If you’re already a customer of Citizens Trust Bank and are looking to take the first step towards better credit, the Classic-Secured Card could be a good fit for you. Consider this card if you’re serious about building a positive credit profile and are willing to practice responsible financial habits.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- No foreign transaction fees
- Rebuild your credit with on-time payments
- Enjoy Visa benefits and protections
Who this card may suit
- You're looking to establish their credit score for the first time
- You have hit a few bumps in the road on your credit journey
- You don’t want to pay an annual fee to boost your credit score
- You already have a savings account with Citizens Trust Bank
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 22.74% variable based on the Prime Rate |
| Balance Transfer APR | 22.74% variable based on the Prime Rate |
| Balance Transfer Transaction Fee | There is a $10 or 4% whichever greater balance transfer fee for this card |
| Cash Advance APR | 22.74% variable based on the Prime Rate |
| Cash Advance Transaction Fee | There is a $10 or 4% whichever greater balance transfer fee for this card |
| Penalty APR | 22.74 |
| Late Payment Penalty Fee | Up to $35 |
| Return Payment Penalty Fee | Up to $35 |
| Over Limit Penalty Fee | Up to $30 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Poor Credit Limited or No Credit.
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Citizens Trust Bank VISA Classic
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