Invest how you want, when you want, in real time with Self-Directed Investing.
Being a teen is hard enough. Help us support Teen Cancer America to improve their quality of care.
We're committed to serving companies as they expand and succeed. The proof is in our success stories.
May Q&A: Available now
This month, the Making Sense team answers client questions related to trade policy developments and their impacts on key economic issues.
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You won't find quarterly maximums here. Our Cash Rewards credit card gives you cash back on every purchase—and always at the same great rate.
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
Redeem your credit card rewards your way—such as transferring your cash back rewards to a First Citizens account.
0% introductory APRD for first 12 monthsD on balance transfers, then variable purchase rate of 17.24% to 26.24% based on creditworthiness applies.
Keep it simple with 1.5% cash back on every purchase you make, every day.D
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.
First Citizens offers several credit cards, but the best credit card for you depends on how you like to shop and spend your money. When it comes to earning reward points, which of our credit cards will be the most rewarding for you? Use this handy credit card rewards calculator to find out.
Temporarily lock your card
Report a lost or stolen card
Notify us if you're traveling
Temporarily lock your card
Report a lost or stolen card
Notify us if you're traveling
Treasury & Cash Management
Electronic Bill Presentment & Payment
Investment & Retirement Services
Community Association Banking
Equipment Financing & Leasing
Credit Cards
Merchant Services
Insurance
Email Us
Please select the option that best matches your needs.
Customers with account-related questions who aren't enrolled in Digital Banking or who would prefer to talk with someone can call us directly.
Earning Reward Dollars
With Cash Rewards, you will earn one and a half (1.5) reward dollars for each one hundred ($100) net dollars you spend (gross retail purchases less any returns or credits). Earned reward dollars are calculated on actual dollars spent rounded up or down to the nearest point. Reward dollars will be deducted from the available rewards account balance for all returned purchases.
There's no monthly earnings cap. Reward dollars earned are available for redemption for 3 years. Reward dollars expiring during the year will be cleared from your program account on the last day of the month in which they expire.
Redeeming Reward Dollars
Each reward dollar is worth $1, which means that 100 reward dollars equals $100 in redemption value. Redemptions start as low as 25 reward dollars.
You may redeem reward dollars back into other First Citizens banking products:
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.
You may redeem reward dollars for account credits to be deposited to your First Citizens checking or savings account or applied to your First Citizens credit card, consumer loan or mortgage.
You may use reward dollars for a Pay Me Back® redemption, meaning a statement credit for the corresponding dollar amount will be applied to your First Citizens Cash Rewards card that was used for the purchase(s) 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.
These terms are only a summary. Other restrictions and requirements apply. The full First Citizens Cash 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.