The Citizens Savings Bank and Trust Company is a personal credit card from Citizens Savings Bank and Trust Company. Application typically pulls a hard report from Experian. The annual fee is $0.00*. The ongoing APR is 17.74% - 26.99% variable APR after a 0% Introductory APR on purchases and balance transfers for 12 months introductory rate for 12 months. Rewards: Unlimited 1% cash back on every purchase, every day.