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Citizens Trust Bank VISA Privilege Credit Card card

Citizens Trust Bank VISA Privilege Credit Card

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

Annual fee
$25
Recommended credit
Fair
Card network
Visa
Regular purchase APR
16.74% to 24.74% 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 Privilege Credit Card is a credit-builder card that is an excellent step-up from Citizen Trust Bank’s Classic-Secured Card. The card features a competitive APR that is uniform for purchases, balance transfers, and cash advances, and no foreign transaction fees – all for an annual fee of $25.

Our review of the Citizens Trust Bank VISA Privilege Credit Card

Overview

The Citizens Trust Bank VISA Privilege Credit Card is a straightforward low APR credit card catered towards individuals looking to improve their credit score without the need for a security deposit. This card, offered by Citizens Trust Bank based in Atlanta, serves as a steppingstone for those transitioning from a secured to an unsecured credit card.

Features

  • Credit Building: The Visa Privilege Card is designed to help individuals rebuild their credit over time.
  • APR: Depending on creditworthiness, the APR ranges from competitive to satisfactory.
  • Two Cards in One: With varying APR rates, the card caters to both those with solid credit scores and those working on rebuilding their credit.
  • Annual Fee: The $25 annual fee may be a drawback for those with excellent credit but is reasonable for individuals looking to improve their credit score.
  • Benefits: Offers basic Visa security and benefits, no foreign transaction fees, and the perks of an unsecured credit card.

Should You Apply?

  • Rebuilding Credit: Ideal for current Citizens Trust Bank customers or individuals transitioning from a secured card.
  • Good to Excellent Credit: While the low APR and benefits are appealing, the $25 annual fee may deter those with excellent credit.
  • Comparison: Consider other low APR credit cards with no annual fee and intro APR offers on balance transfers before making a decision.

In conclusion, the Citizens Trust Bank VISA Privilege Credit Card caters to individuals at various stages of their credit journey. Whether you’re looking to rebuild your credit or seeking a reliable low APR option, this card offers a balance of benefits and considerations to help you achieve your financial goals.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Rebuild credit with on-time payments
  • Great low APR for purchases, balance transfers, and cash advances
  • No foreign transaction fees

Who this card may suit

  • You already have a Citizens Trust Bank Secured Card and want to graduate to an unsecured card
  • You don’t want to pay foreign transaction fees
  • You don’t mind paying a $25 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 Fee$25
Regular Purchase APR16.74% to 24.74% variable based on creditworthiness and the Prime Rate
Balance Transfer APR16.74% to 24.74% 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 APR16.74% to 24.74% 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 APR25.00%
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: Fair Credit.

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Citizens Trust Bank VISA Privilege Credit Card

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