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Citizens Trust Bank VISA Prestige Elite Credit Card card

Citizens Trust Bank VISA Prestige Elite Credit Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Visa
Regular purchase APR
12.25% to 15.25% variable based on creditworthiness and the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The Citizens Trust Bank Visa Prestige Elite Card offers rewards, a low APR, no foreign transaction fees, and no annual fee in one package. Offered by Atlanta-based Citizens Trust Bank, the card is a great option for those who have sued the bank to rebuild their credit – and want to enjoy the fruits of their labor every day.

Our review of the Citizens Trust Bank VISA Prestige Elite Credit Card

If you’re looking for a credit card expert’s opinion, look no further than the Citizens Trust Bank Visa Prestige Elite Card. With no annual fees and a competitive APR, this high-end card is perfect for those who want versatility without breaking the bank.

Perfect for Carrying a Balance

The Prestige Elite offers an exceptional APR that applies to purchases, cash advances, and balance transfers. Even those with a credit score in the high 600s can expect a rate that is significantly lower than the national average. For those with excellent credit, an everyday APR of around 9% is possible – one of the lowest rates in the nation.

Earn Rewards with Every Purchase

One of the standout features of the Prestige Elite Card is the ability to earn points through the SCORECard Rewards Program. Points can be redeemed for statement credits, merchandise, gift cards, travel rewards, cash back, fuel discounts, and more. Every purchase with the card earns points, making it a rewarding experience for cardholders.

Other Features of the Prestige Elite Card

In addition to rewards and a low APR, the Prestige Elite Card also offers no foreign transaction fees. This makes it a valuable tool for purchases worldwide, especially when earning points without worrying about additional fees.

Should You Apply for the Citizens Trust Bank VISA Prestige Card?

Whether you’re a current Citizens Trust customer or new to the bank, the Prestige Elite Card is a solid choice. It is a great option for those looking to build credit or transition to a rewards-earning card. With no annual fee and the ability to earn points on every purchase, this card is a versatile tool for everyday spending and larger purchases.

While there may be more appealing rewards cards from major lenders, the Prestige Elite Card rewards those with excellent credit and a history of responsible financial behavior. For these individuals, this card is truly prestigious.

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
  • Earn 1 point for every dollar spent on purchases

Who this card may suit

  • You have built up your credit with other Citizens Trust Bank cards
  • You want to earn rewards for every purchase – both at home and abroad
  • You don’t want to pay an annual fee

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR12.25% to 15.25% variable based on creditworthiness and the Prime Rate
Balance Transfer APR12.25% to 15.25% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction FeeEither $10 or 4% of the amount of each balance transfer, whichever greater
Cash Advance APR12.25% to 15.25% variable based on creditworthiness and the Prime Rate
Cash Advance Transaction FeeEither $10 or 4% of the amount of each balance transfer, whichever greater Penalty APR: 21.00%
Late Payment Penalty FeeUp to $35
Return Payment Penalty FeeUp to $32
Over Limit Penalty FeeUp 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: Excellent Credit Good Credit.

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Citizens Trust Bank VISA Prestige Elite Credit Card

Apply Now for Citizens Trust Bank VISA Prestige Elite Credit Card (opens in a new tab)

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