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) |
Minimum annual percentage rate (APR) of 10.00%.
Interested in Opening an Account?
Or, perhaps you just have a few questions.
Either way, give us a call at 1.888.FC DIRECT (1.888.323.4732), send us an e-mail or stop by your local branch.