Get access to rich rewards, cash back and low APR with First Citizens Bank Credit Card. This Visa Card enables you to enjoy your credit card your own way. You can choose to earn regular rewards or accelerate your rewards. The Card rewards you at your own pace. Check out First Citizens Bank Credit Card rewards, fees and redemption options.
First Citizens Bank Credit Card Rewards
- Firstly, get 1 point for every $1 spent on qualifying purchases with First Citizens Bank Credit Card
- Secondly, Redeem for a wide variety of rewards, including cash back digital and gift card rewards, travel, merchandise, and much more.
- Thirdly, pool points with other First Citizens consumer credit cardholders to earn even faster.
Accelerate Your Earnings
- Firstly, the premium rewards experience enables you earn 50% more points on all purchases.
- Secondly, you can earn 1.5 point for every $1 spent on qualifying purchases.
- Thordly, there are no earning caps and your points don’t get to expire.
- Fourthly, you can redeem for a wide variety of rewards, including cash back digital and gift card rewards, travel, merchandise, and unique experiences.
- Also, pool points with other First Citizens consumer credit cardholders to earn even faster.
- Earn 2,500 bonus points upon enrollment
- Lastky, low annual rewards program fee of $50
Unlimited Cash Back
- Get unlimited cash back on everyday purchases with no annual fee
- Earn 1% cash back for every $1 spent on qualifying purchases
- No earning cap
- Redeem for statement credit or a deposit into your First Citizens checking or savings account
First Citizens Bank Credit Card Rewards Rates & Fees
- Standard Annual Percentage Rate (APR) for purchases and balance transfers:
11.99% to 22.99% based on your creditworthiness
- Introductory Offer for Balance Transfers
0% APR for first 12 billing cycles on balances transferred within the first 90 days of account opening.
- APR for Cash Advances
22.99% to 25.99% based on creditworthiness
Annual Rewards Program Fee
$0, Unless you opt to accelerate your earnings for an annual rewards fee of $50, which you can elect to pay with 5,000 points.
First Citizens Bank Credit Card Transaction Fees
- Balance Transfer –3% of each transaction (minimum $5)
- Cash Advance – 3% of the amount of each cash advance minimum $5)
- Foreign Transaction – 2% of each transaction in U.S. dollars.
First Citizens Bank Credit Card Additional Benefits
- Firstly, cell phone protection with First Citizens Bank Credit Card Rewards.
- Secondly, fast & secure online shopping with Visa Checkout.
- Thirdly, guaranteed fraud protection.
- Fourthly, travel and emergency assistance services.
- Next, auto rental collision damage waiver.
- Also, chip technology for enhanced security and global acceptance.
- Exclusive visa discounts.
- Activate the verified by visa feature for added peace of mind
- Eligible for visa signature with credit line of $5,000 or greater.
- Finally, enroll for e-statements.