Cash Rewards Credit Card

Get the credit card that gives you cash back

Unlimited Cash Back

1.5% cash back on every $1 you spendD and no annual fee.

Convenient Benefits

Go beyond rewards with a host of credit card benefits.

Special Offer

Get 0% intro APRD on balance transfers within the first 12 months.D

Rewards

Simply earn cash back every day

Redeem your credit card rewards your way—such as transferring your cash-back rewards to a First Citizens account.

  • Earn 1.5% unlimited cash back on all your purchasesD
  • Reward dollars post to your account daily
  • Use rewards to get reimbursed for a recent purchase with our exclusive Pay Me Back® redemption optionD
  • Pay no annual fee with this card
More Information

Card details and transaction fees

Balance transfers

0% introductory APRD for first 12 monthsD on balance transfers, then variable purchase rate of 12.99% to 21.99% based on creditworthiness applies

Always know what you're earning

Keep it simple with 1.5% cash back on every purchase you make, every dayD

No annual fee

Enjoy all this card has to offer with $0 annual fee

Tap your card to pay

Make quick and secure purchases with contactless payments.

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

Credit Card Benefits

Get protection and more with Visa

Our credit cards offer a wealth of great benefits, from contactless payments to porch piracy protection.
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.

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 September 30, 2021, is 3.25% 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.

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.

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.

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