Accelerated Earnings Credit Card

Our premium rewards card is like traveling in first class


50% more points, plus travel card rewards

Redeem rewards points for airline, hotel and car rental vouchers, and other travel experiences.

  • Use rewards as statement credits for travel purchases with our exclusive Pay Me Back redemption optionD
  • Protect your cell phoneDD when you pay your monthly cell phone bill with your First Citizens Visa® card
  • Receive 2,500 bonus points upon enrollment
  • Points post to your account daily
Card Details

Card details and transaction fees

Balance transfers

0% introductory APRD for first 12 months on a balance transfer, then a 10.99% to 21.99% variable APR,D each transfer is subject to a 3% fee (minimum $5)

Purchase rate

Variable 10.99% to 21.99% APRD based on creditworthiness

Cash advances

Variable 21.99% to 24.99% APRD based on creditworthiness, each transaction is subject to a 3% fee (minimum $5)

Annual rewards program fee

$50D or 5,000 points

Foreign transactions fee

2% of each transaction in US dollars

Pay with your phone

Add your cards to your mobile device and pay securely with Digital Wallet.

Get alerts

Track your accounts and transactions with text and email alerts.

Pay your bills

Automate your bill payments with Digital Banking for extra peace of mind.

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

First Citizens Rewards

Manage and redeem your rewards online

What will you earn with credit card rewards? Choose cash back, travel perks, gift cards and more.
Prestige Checking Account

Your money deserves more, and so do you

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

Normal credit approval applies.

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

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

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.

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.

Cellular Telephone Protection, Travel and Emergency Assistance Services and Auto Rental Collision Damage Waiver provided by Visa®. Certain terms, conditions and exclusions apply. For complete details, please refer to Your Guide to Benefits for Visa Signature Cardholders (PDF) or Your Guide to Benefits for Visa Traditional Cardholders (PDF).

Pay Me Back redemptions must be made within 60 days of original qualifying purchases of $100 or greater. Some exclusions apply to certain categories of transactions. No statement credit card will be applied against any monthly minimum payment due.

Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

Enrollment involves an annual rewards program fee of $50. This fee is subject to change at any time, and will be billed to your account upon enrollment.

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.