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Find the credit card features you want.

Rewards

Cash Back

Accelerated Earnings

Smart Option

Features

Basic Rewards

Earn Cash

50% More Points

Our Lowest Rate

Purchase Rate

12.49% to 23.49% variable APRD based on creditworthiness

12.49% to 23.49% variable APRD based on creditworthiness

12.49% to 23.49% variable APRD based on creditworthiness

7.99% to 18.99% variable APRD based on creditworthiness

How much you earnD

1 point for every $1 spent

1% cash back for every $1 spent

1.5 points for every $1 spent

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Annual rewards program fee

$0

$0

$50 or 5,000 pointsD

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Intro balance transfer offer

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Security alerts

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Cell phone protectionDD

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Visa® Signature benefitsD

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Not quite sure? Answer a few questions to find the right credit card for you.

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 ${date-today} 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.

Cellular Telephone Protection, Travel and Emergency Assistance Services and Auto Rental Collision Damage Waiver provided by Visa. Certain terms, conditions and exclusions apply. Please refer to Visa's Your Guide to Card Benefits (PDF) for complete details.

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

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.

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.

Requires credit line of $5,000 or greater.

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