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 16.49% - 22.49% variable APR after a 0% Introductory APR on purchases and balance transfers for 12 months introductory rate for 12 months. Signup bonus: Get 30,000 bonus points with $2,500 spend in first 90 days. Rewards: Unlimited 1.5x points on every net dollar spent.