Choose Credit Card solutions that meet your needs

VISA® Classic Secured

Visa® Classic Secured ® credit card is secured by funds in a Citizens Trust Bank Savings account to help you build a positive credit history.

BALANCE TRANSFER FEE

$10 or 4% of transferred balance

ANNUAL FEE

$0

INTEREST RATE

Variable Rate: PRIME +

MORE DETAILS
LIMIT AND USES

• $500 — $5,000

• Build credit

• Upgrade to unsecured status

VISA® Privilege

Had some credit challenges in the past? The Citizens Trust Bank Credit-builder Credit Card may prove to be for you.

BALANCE TRANSFER FEE

$10 or 4% of transferred balance

ANNUAL FEE

$25/mo

INTEREST RATE

APR based on credit worthiness

MORE DETAILS
LIMIT AND USES

• $500 — $5,000

• Build credit

VISA® Prestige Elite

Lowest rate credit card – perfect for those who plan to carry a balance, need financing options for unexpected expenses or for making everyday purchases. Earn SCORECard® Bonus points. The accumulated points can be exchanged for gifts or travel.*

BALANCE TRANSFER FEE

$10 or 4% of transferred balance

ANNUAL FEE

$0

INTEREST RATE

Variable Rate: PRIME +

MORE DETAILS
LIMIT AND USES

• $5,000 – <

• Apple or Samsung Pay feature

• Reward/Bonus Points Program

* Visit www.scorecardrewards.com for complete program rules and frequently asked questions.

VISA® CTB Business Classic

Grow your business and with the Citizens Trust Bank Business Credit Card solution will support you in reaching your business goals. The CTB Business Classic offers business owners access to a revolving line of credit to make purchases, track expenses and manage cash flow.

BALANCE TRANSFER FEE

$10 or 4% of transferred balance

ANNUAL FEE

$50/mo

INTEREST RATE

Variable Rate: PRIME +

MORE DETAILS
LIMIT AND USES

• $500 — $10,000

• Annual Statements

• Multiple Cardholders

Attention Citizens Trust Bank VISA Credit Card Accountholders:

As of Monday, Feb. 19, 2024, the Chargeback Services toll-free number has changed to 800.257.9620. On Monday, February 19, 2024, this number replaces previous toll-free numbers used to report Citizens Trust Bank VISA credit card purchase disputes, including billing errors, unauthorized credit card uses or failure to deliver a product or service, fraudulent transactions and returns. Have Questions? We’re here to help.

IMPORTANT NOTICE:

Effective Saturday, August 20, 2022, 5AM, CT, all VISA® credit card transactions received from Automated Fuel Dispensers [AFD] are subject to up to $175 “status check” (or hold) on the credit card which is later followed by clearing the transaction for cardholder posting. LEARN MORE HERE about the newly enforced AFD authorization processing.

Please note: The dollar amounts held for fuel transactions have been dictated by VISA® and not modified by Citizens Trust Bank your card issuer.
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Visa will remove Auto Rental Collision Damage Waiver (ARCDW) and Warranty Manager (WM) as Visa benefits from U.S. consumer credit cards accounts (except Visa Infinite) effective Jan. 31, 2021.

The Auto Rental Collision Damage Waiver (ARCDW) will be replaced with a new benefit, Postmates, the on demand food delivery service. The new Postmates benefit is currently scheduled to be live as a Visa-funded benefit across all consumer credit card accounts effective Jan. 1, 2021.