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* annual fee for first year, after that, $20, waived based on spend*. The ongoing APR is 17.99% - 24.99% variable APR after a 0% Introductory APR on purchases and balance transfers for 12 months introductory rate for 12 months. Signup bonus: Get $50 with $500 spend in first 60 days. Rewards: Unlimited 2% cash back on travel, hotels, car rentals, and restaurants; 1% cash back on all other purchases.