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Citizens Personal Credit Cards

Personal Credit Cards

Apply today for The Citizens Bank & Trust Platinum Visa® Card1. Choose between 1% cash back or the buying power of Platinum benefits.

Which card is right for you?

Cash Back: Earn 1% cash back on purchases2. There are no tiers or minimums. $35 annual fee.

Platinum: Give yourself the buying power of Platinum with a low spending rate and valuable card member benefits.

  • 24/7 Customer Service
  • 0% introductory Annual Percentage Rate3 (APR) on purchases and balance transfers for the first seven billing cycles.
  • After that, Platinum Cash Back and Platinum accounts have varying rates based on the New York Prime4 Rate as published in the Wall Street Journal. See application disclosure for more details.
  • Protected by Visa’s Zero Liability policy5

Access Your Account 24 Hours a Day

  • Oversee all your activity at a glance on our card management website.
  • Manage payment options and transactions
  • Update payment information
  • Set account alerts to track payments and balances

1 ServisFirst Bank is the credit card issuer. All applications are subject to ServisFirst Bank’s underwriting guidelines and credit approval.

2 Eligible Cash Back cardholders can earn 1% of the Net Purchases made by an eligible cardholder during the twelve billing cycles before each Anniversary Date. (Enrollment Year).  Eligibility: To be eligible for any Rebate, the Cardholder’s Account must be in good standing at all times during the Enrollment Year. An Account will not be in good standing, and the Cardholder will not be eligible for a Rebate, if (a) the Account has been closed to future transactions; (b) the Account is subject to a Penalty Rate; or (c) the Account is otherwise in Default under the Cardholder’s agreement with ServisFirst. See application disclosure for more details.

3 Loss of introductory APR: We may end your introductory APR and apply the Penalty APR if you do not pay the full amount of any minimum payment due within 60 days of its payment due date. APR for purchases, balance transfers, and cash advances will vary based on the Wall Street Prime Rate: prime +10.00% for Platinum accounts and prime +8.00% for Platinum Cash Back accounts. Penalty APR: A penalty APR of prime +20.00% may be applied to late payments. Payments are due at least 25 days after the close of each billing cycle. If you are charged interest, the charge will be no less than $2.00. A transaction fee of either $5 or 3%, whichever is greater, will be applied to balance transfers and cash advances. Foreign transactions will be charged 2% of the transaction in U.S. dollars. Up to a $25 fee may be applied to late and returned payments.

4 Prime Rate: Except for any introductory APR, the APR will vary based on changes in the Prime Rate. Prime equals 3.25% as published by the Wall Street Journal as of 3/16/2020.

5 The Visa Zero Liability policy covers U.S. issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify Citizens Bank & Trust promptly of any unauthorized use. Consult Citizens Bank & Trust for additional details.