First Citizens Bank Credit Cards

First Citizens Credit Cards Rich Rewards, get unlimited Cash Back, on everyday purchases, No annual fee, with low introductory rates. The First Citizens Credit Card offers our lowest rate available providing a smart way to consolidate higher interest rate balances and manage your spending.

First Citizens Smart Option^® Visa^® Card

No annual fee
Our lowest available interest rate
Account access via Digital Banking
Instant cash advances at any ATM (PIN required)
Cell phone protection1 when you pay your monthly cell... Show More

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Purchases Intro APR: None

Balance Transfers: 0% for 12 months

Regular APR: 9.24% - 20.24% (variable)

Annual Fee: No annual fee

Credit Needed: Excellent / Good

First Citizens Rewards^SM Visa^® Card

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... Show More

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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

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First Citizens Bank Credit Cards