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 February 28th, 2023, is 7.75% and may vary in the future. The transaction fee for cash advances is $10 or 5% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactions is 3% (0% for Travel Rewards) of each transaction after conversion to US dollars.

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.

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 or state law, including the Credit Repair Organizations Act. First Citizens Bank and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.

Certain terms, conditions, and exclusions apply. For complete details, refer to the Travel Rewards Program Terms.

Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.

The $95 initial Annual Fee will be waived the first year but charged to your Travel Rewards Credit Card Account every 12 months thereafter.

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 February 28th, 2023, is 7.75% and may vary in the future. The transaction fee for foreign transactions is 3% of each transaction after conversion to US dollars.