First Citizens Bank Credit Cards

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First Citizens Bank

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
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 RewardsSM 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
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