With Travel Rewards, you will earn three (3) points on travel, two (2) points on dining, and one and a half (1.5) points for each net dollar you spend (gross purchases less any returns or credits). Earned points are calculated on actual dollars spent rounded up or down to the nearest point. Points will be deducted from the available rewards account balance for all returned purchases.
There's no monthly point cap and points don't expire.
Each point is worth $0.01, which means that 100 points equals $1 in redemption value. Redemptions start as low as 10,000 points. Some limitations may apply.
You may redeem points back into other First Citizens banking products:
- Cash Back to an existing First Citizens Bank checking account, savings account or credit card account
- Account credits towards a First Citizens personal loan or mortgage
Cash back and account credit redemptions must be completed through the program website, however a statement credit back to your First Citizens Card can also be redeemed through the First Citizens Rewards Call Center. The redemptions will post within 2 to 8 business days. No First Citizens card or mortgage account credit will be applied, in whole or in part, against any monthly minimum payment due, however, account credits to your First Citizens consumer loan will be applied first to your outstanding interest and any remaining amount will be applied to your principal.
Redemptions are also available for travel, including airline tickets, hotel, car rentals, cruises and tours, retail gift cards and certificates, donations and merchandise.
You may use points for a Pay Me Back® redemption, meaning a statement credit for the corresponding dollar amount will be applied to your First Citizens Travel Rewards card that was used for the purchases over $100. Some exclusions apply to certain categories of transactions. No statement credit will be applied, in whole or in part, against any monthly minimum payment due.
Airline Ancillary Fee Credit
You're eligible for one statement credit of up to $100 each calendar year if you make qualifying airline ancillary fee transactions with a First Citizens Travel Rewards card. Qualifying transactions are those purchases made on select US domestic-originated flights on certain US domestic airline carriers that include seating upgrades, ticket change or cancellation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, and airport lounge fees affiliated with eligible airline carriers. Airline ticket purchases, mileage point purchases, mileage point transfer fees, gift cards, duty-free purchases, award tickets and fees incurred with airline alliance partners do not qualify.
These terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible through the program website at FirstCitizensRewards.com.
Program rules are subject to change or cancellation without notice.