The Citizens Bank & Trust Company of Vivian, Louisiana is a business credit card from Citizens Bank & Trust Company of Vivian, Louisiana. Application typically pulls a hard report from Experian. The annual fee is $35 Annual Fee ($29 for each additional card). The ongoing APR is 18.24% - 26.24% Variable after a 0% Introductory Rate introductory rate. Approval typically requires a credit score of 650-700 or higher. Rewards: Rewards. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Community bank card program via Card Services Center. Bureau pull data not publicly verified.