First Citizens RewardsSM Visa® Card

First Citizens RewardsSM Visa® Card
Purchases Intro APR:
None
Balance Transfers:
0% for 12 months
Regular APR:
12.24% - 23.24% (variable)
Annual Fee:
No annual fee
Credit Needed:
Excellent / Good
$0 Fraud Liability: 
Yes

Only Takes 2 Minutes

Instant & Secure Online Approval Process

Premium rewards experience allowing you to earn 50% more points on all purchases.

  • Earn 1.5 point for every $1 spent on qualifying purchases1
  • No earnings caps and points never expire
  • Redeem for a wide variety of rewards, including cash back2, digital and gift card rewards, travel, merchandise, and unique experiences
  • Pool points with other First Citizens consumer credit cardholders to earn even faster
  • 2,500 bonus points upon enrollment
  • Low annual rewards program fee of $503

Earn unlimited cash back on everyday purchases with no
annual fee. Earn 1% cash back for every $1 spent on qualifying purchases1. No earning cap

Redeem for statement credit or a deposit into your First Citizens checking or savings account

Standard Annual Percentage Rate (APR)1 for purchases and balance transfers
12.24% to 23.24% based on your creditworthiness
Introductory Offer for Balance Transfers2
0% APR for first 12 billing cycles on balances transferred within the first 90 days of account opening
APR for Cash Advances
23.24% to 26.24% based on your creditworthiness
Annual Rewards Program Fee
$0, unless you opt to accelerate your earnings for an annual rewards fee of $503, which you can elect to pay with 5,000 points
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
Normal credit approval applies.

1. APR (Annual Percentage Rate) — The Prime Rate used to determine your APR is the Prime Rate as published in The Wall Street Journal on the last business day of the preceding calendar month. The current Prime Rate as of December 31, 2017 is 4.50% and may vary in the future. The transaction fee for cash advances is $5 or 3% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactions is 2% of each transaction after conversion to U.S. dollars.

2. Balance transfer must occur within the first 90 days of account opening to qualify for the 0% APR introductory offer and will be subject to a balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater. After the 12 billing cycle period, your APR will default to your Purchase APR.

3. Enrollment involves an annual rewards program fee of $50. This fee is subject to change at any time, and will be billed to your account upon enrollment.

Consumer Credit Card Cardholder Agreement & Disclosure for credit cards issued by First Citizens Bank: First Citizens Bank  Southern Bank