The Citizens Bank & Trust is a personal credit card from Citizens Bank & Trust. The annual fee is No annual fee. The ongoing APR is 14.49% - 23.49% variable for purchases and balance transfers, based on creditworthiness; 19.49% - 27.49% 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 unlimited one point for every dollar spent. This product reports activity to your personal credit report.