The Citizens Bank & Trust is a personal credit card from Citizens Bank & Trust. The annual fee is $35. The ongoing APR is 15.74% variable for purchases and balance transfers; 19.24% variable for cash advances (disclosure effective Feb 10, 2026) after a 0.00% introductory APR on purchases, balance transfers and cash advances for the first twelve (12) billing cycles (disclosure effective Feb 10, 2026) introductory rate. Signup bonus: Eligible for 25,000 bonus points. Rewards: Earn points or cash back. This product reports activity to your personal credit report.