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Take a look at all of our credit card options

Balance Transfers

See how much you can save

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

0% APRD

Compare our cards

Use our credit card comparison table to find the features you want.

Accelerated Earnings

Rewards

Cash Back

Smart Option

Features

50% More Points

Basic Rewards

Earn Cash

Our Lowest Rate

Purchase rate

10.99% to 21.99% variable APRD based on creditworthiness

10.99% to 21.99% variable APRD based on creditworthiness

10.99% to 21.99% variable APRD based on creditworthiness

7.99% to 18.99% variable APRD based on creditworthiness

How much you earnD

1.5 points for every $1 spent

1 point for every $1 spent

1% cash back for every $1 spent

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Annual rewards program fee

$50 or 5,000 pointsD

$0

$0

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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.

Is a credit card balance transfer worth it? See how much you can save.

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 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.

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).

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.

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.

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