The Citizens Bank & Trust is a personal credit card from Citizens Bank & Trust. The annual fee is $0. 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: as high as 175,000 Membership Rewards points after spending $12,000 on eligible purchases on your new card in your first six months of membership. Rewards: 1 point per $1 spent (Everywhere Rewards Payback card); points can be redeemed for cash back. Cash back: 1% Cash Back. This product reports activity to your personal credit report.