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Travel Rewards

Rewards

Cash Rewards

Smart Option

Features

Earn More on Travel

Earn Rewards on Everyday Purchases

Earn Unlimited Cash Back

Our Lowest Rate

Purchase rate

12.99% to 21.99% variable APRD based on creditworthiness

12.99% to 21.99% variable APRD based on creditworthiness

12.99% to 21.99% variable APRD based on creditworthiness

9.99% to 18.99% variable APRD based on creditworthiness

Balance transfers

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Base earnings for every $1 spentD

1.5 points, unlimited

1 point

1.5% cash back, unlimited

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Bonus category earnings for every $1 spentD

3 points for travel, 2 points for dining

3 points for gas and select streaming services, 2 points for grocery and drug stores

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Additional benefits

$100 annual ancillary travel creditD

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Annual fee

$95, waived the first yearD

$0

$0

$0

Visa® benefitsD

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Visa Signature eligibleD

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Convenient ways to pay

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Fraud protection

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Balance Transfers

See how much you can save

0% introductory APRD for the first 12 months, then the purchase rate applies (see table above).D

0% APRD

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

Insights

A few financial insights for your life

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Normal credit approval applies.

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

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.

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.

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

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

Requires credit line of $5,000 or greater.

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.

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.

Certain terms, conditions, and exclusions apply. For complete details, refer to your Program Rules or firstcitizens.com/travel-rewards.

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