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Navigation Path: Home > Personal Services > Credit Cards, Loans & Mortgages > Credit Cards Larger Type|Smaller Type|Print

Credit Cards

We offer a variety of credit cards to suit different lifestyles, different needs. So choose the First Citizens Visa® credit card that's right for you and enjoy credit convenience everywhere you go. And credit card holders can earn BankMiles®1 to fly anywhere, anytime.

Classic card features

  • Instant cash advances at any ATM (PIN required)
  • Checks that let you access your credit line (upon request)
  • $150,000 Travel Accident Insurance with tickets purchased for any common carrier by using your card.

Gold/Platinum features

  • Premium cards, high credit limit
  • Instant cash advances at any ATM, (PIN required)
  • $500,000 Travel Accident Insurance with tickets purchased for any common carrier by using your card
  • Auto rental collision and loss damage insurance
  • Emergency ticket and cash replacement
  • Replacement of lost or stolen cards
  • Emergency medical and legal services while traveling

Credit card schedule of fees

  Classic Gold
Annual Fee

$0

$0
APR

Prime Plus 3.9% (Variable)

Prime Plus 2.5% (Variable)
  Platinum Medical Platinum
Annual Fee

$0

$0
APR

Prime Plus 2.95% (Variable)

Prime Plus 2.95% (Variable)
 
The transaction fee for cash advances is 3% of the amount of the cash advance (minimum fee $3 and maximum fee $100) and the transaction fee for foreign currency conversion is 2% of the amount of the transaction after conversion to U.S. dollars.
The prime rate used to determine your APR is our Prime Rate on the last day of the prior calendar month.
APR may vary on all variable rate cards: Classic (8.00% APR), Gold (8.00% APR), Platinum (8.00% APR), Medical Platinum (8.00% APR) as of November 1, 2008.
All First Citizens credit cards have a minimum annual percentage rate (APR) of 8%.
Gold cards have a minimum credit line of $2,000.
Platinum cards have a minimum credit line of $5,000.
Transaction fees apply for cash advance and foreign currency conversion.
Normal credit approval applies.
1 BankMiles is available for an annual membership fee of $39.99 per account.
Member FDIC Equal Housing Lender