First Citizens Bank Credit Cards

Only Takes 2 Minutes - Instant & Secure Online Approval Process

First Citizens Bank Credit Cards

First Citizens Bank holds the trust of the customers for over a century, and we still stand by the same values since we first opened our doors, which are a commitment to people, businesses and communities who rely on us to provide them the best service we can. The accomplishment and growth came from working hard, with integrity and listening to our customers.

First Citizens Smart Option® Visa® Card

• No annual fee
• Lowest available interest rate
• 0% APR for the first 12 months
• Exclusive Visa discounts
• Instant cash advances at any ATM
• Chip technology provides more security and global acceptance... Show More

Purchases Intro APR
None
Balance Transfers
0% for 12 months
Regular APR
8.24% - 19.24% (variable)
Annual Fee
No annual fee
Credit Needed
Excellent / Good

First Citizens Cash Back Rewards Visa® Card

• Get 1% cash back for each $1 you spend on qualifying purchases
• Redeem cash back for statement credit or deposit into your First Citizens checking or savings account
• No caps on cash back
• No annual fee
• 0% APR... Show More

Purchases Intro APR
None
Balance Transfers
0% for 12 months
Regular APR
11.24% - 22.24% (variable)
Annual Fee
No annual fee
Credit Needed
Excellent / Good

First Citizens RewardsSM Visa® Card

• Get 1 points for each $1 you spend on qualifying purchases
• Redeem for rewards like travel, cash back, digital and gift card rewards, merchandise, and unique experiences
• Pay Me Back allows you to use points as a full statement... Show More

Purchases Intro APR
None
Balance Transfers
0% for 12 months
Regular APR
11.24% - 22.24% (variable)
Annual Fee
No annual fee
Credit Needed
Excellent / Good

First Citizens Optimum RewardsSM Visa® Card

• Get 1.5 points for each $1 you spend on qualifying purchases
• Get 2,500 bonus points by opening an account
• No expiration dates on points
• No cap on points
• Combine points with other First Citizens consumer... Show More

Purchases Intro APR
None
Balance Transfers
0% for 12 months
Regular APR
11.24% - 22.24% (variable)
Annual Fee
$50 / 5,000 points
Credit Needed
Excellent / Good