Personal Credit Cards

Apply for a credit card that works for you

Accelerated Earnings

Earn 50% more points on everyday purchases and get exclusive travel rewards.

  • 1.5 points for every $1 spent on qualifying purchasesD
  • No earnings cap
  • Points never expire
  • Redeem for cash backD or exclusive travel experiences


Earn points by making everyday purchases and pay no annual rewards program fee.

  • 1 point for every $1 spent on qualifying purchasesD
  • 0% APRD on balance transfers for 12 months, then a 10.99% to 21.99% variable APRD
  • Redeem rewards points for cash back,D gift cards and merchandise

Cash Back

Seamlessly transform everyday purchases into unlimited cash back with this personal credit card.

  • 1% cash back on every $1 spent on qualifying purchasesD
  • Transfer your earnings to your other First Citizens accountsD
  • Pay no annual rewards program fee

Smart Option

Get our lowest available rate and transfer balances to consolidate your debt.

  • 0% intro APRD on balance transfers for first 12 months, then a 7.99% to 18.99% variable APRD
  • Consolidate higher interest rate balances
  • Pay no annual fee

Secured Cash Back

This personal credit card can help you earn unlimited cash back while you build your credit.

  • 1% cash back on every $1 spent on qualifying purchasesD
  • Establish or rebuild your credit
  • Monitor your credit with your free monthly FICODD score within Digital Banking

Answer a few quick questions to find the right credit card for you

Manage Your Cards

Access any of our card services from your phone

Temporarily lock your card

Report a lost or stolen card

Notify us if you're traveling

Manage Your Cards

Access any of our card services from your phone

Temporarily lock your card

Manage Your Cards

Access any of our card services from your phone

Report a lost or stolen card

Manage Your Cards

Access any of our card services from your phone

Notify us if you're traveling

Home Improvement Loans

Fast access to funds for your remodel project

A quick and easy application process to remodel without using your home as collateral.
Prestige Checking Account

Your money deserves more, and so do you

Get exclusive benefits and preferred rates with our Prestige checking account.

People often ask us

First Citizens Rewards® consumer cardholders who have a credit line of $5,000 or more, are automatically upgraded to Visa® Signature status and have access to enhanced benefits.

An APR, or annual percentage rate, represents the cost of credit on a yearly basis.

Yes. You can access your First Citizens credit card information online through Digital Banking. You can view your current account status and review 6 months' worth of transaction history. You can also access account information and view recent transactions in Mobile Banking.

If you see a suspicious charge, call 800-543-9000 then select the Report Fraud option. For your awareness, pending transactions do not have an impact on your current account balance because they have not been processed yet. Please continue to monitor your account and notify us immediately for any unauthorized posted transactions.

It's easy. We provide several convenient payment options:

  • Use Digital Banking or Mobile & Tablet Banking to transfer money from another First Citizens account to your credit card account
  • Call 888-FC DIRECT (888-323-4732) to make a payment over the phone
  • Drop off your payment at your local branch
  • Send your payment to:
    First Citizens Bank
    PO Box 63001
    Charlotte, NC 28263-3001

A few financial insights for your life

No results found

Normal credit approval applies.

For more information, please see the First Citizens Consumer Credit Card Cardholder Agreement and Disclosure (PDF).

APR (annual percentage rate). The Prime Rate used to determine your APR is the Prime Rate as published in The Wall Street Journal on the last business day of the preceding calendar month. The current Prime Rate as of March 31, 2020 is 3.25% and may vary in the future. The transaction fee for cash advances is $5 or 3% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactions is 2% of each transaction after conversion to US dollars.

Qualifying purchases are defined as gross retail purchases less any returns or credits.

Balance transfer must occur within the first 90 days of account opening to qualify for the 0% APR (annual percentage rate) introductory offer and will be subject to a balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater. After the 12 billing cycle period, your APR will default to your purchase APR.

Cash back rewards can be redeemed as a statement credit or as a deposit into your First Citizens checking or savings account.

FICO® and “the score lenders use” are registered trademarks of Fair Isaac Corporation in the United States and other countries.

The FICO® Score and associated educational content are provided solely for your own non-commercial personal review, use and benefit. First Citizens Bank and Fair Isaac are not credit repair organizations as defined under federal and state law.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.