Credit Card Benefits

Our cardholders enjoy a wealth of benefits

Credit card benefits

Visa Cardholders

Benefits for all credit cards

When you open a First Citizens Visa® credit card, you're auto-enrolled in great benefits for your convenience and protection.D

Cell phone protection

When you pay your monthly wireless bill with your covered First Citizens credit card, your cell phone is protected for the next calendar month.D

Porch piracy protection

When you use your covered First Citizens account for your purchases, your new purchases can be protected against theft from your home or other location.D

Roadside assistance

Call on Roadside Dispatch® whenever you're in need of a tow. Assistance is available to eligible First Citizens credit cardholders 24/7 with no membership required.D

Identity protection

Your First Citizens credit card includes ID Navigator powered by NortonLifeLock, providing tools so you can act quickly if your identity is threatened.D

Visa Signature Cardholders

Visa Signature credit card benefits

You're auto-enrolled in Signature benefits if your account has a credit line of $5,000 or more. Smart Option and Secured Cash Back cards are excluded from Signature enrollment.D

Rideshare protection

You're protected while traveling in a Rideshare vehicle, such as Uber or Lyft, when you pay for part or all of your fare with your covered First Citizens credit card.D

Trip delay reimbursement

With Trip Delay coverage, you can receive up to $300 when you're stuck for more than 12 hours due to a covered hazard.D

Auto rental collision damage

Rent a car with your covered First Citizens credit card and get built-in Auto Rental Coverage.D

Travel & emergency assistance services

Call anytime for Travel and Emergency Assistance, available for covered First Citizens credit cardholders from anywhere in the world.D

Convenient ways to pay

From contactless payments to digital wallets, you have more ways than ever to quickly, conveniently pay for your purchases.

Contactless payments

Tap to pay and save time

Your credit card has contactless payment technology, which means you can tap to pay for purchases anywhere contactless is supported.

  • It's safe: Contactless helps keep your hands cleaner than exchanging cash or touching the terminal.
  • It's fast: Tapping your card to pay takes only a few seconds, making it quicker than swiping or inserting.
  • It's secure: Contactless payments use the same security as chip cards, generating a unique code for each transaction to help prevent fraud.

Look. Tap. Go.

At checkout, check for the contactless symbol

Tap your contactless card on the terminal

Your payment will be processed in seconds

Look. Tap. Go.

At checkout, check for the contactless symbol

Look. Tap. Go.

Tap your contactless card on the terminal

Look. Tap. Go.

Your payment will be processed in seconds

Digital Wallet

Use your mobile device to go cashless

Your smartphone's Digital Wallet is a fast and secure way to pay—and it works seamlessly with your First Citizens credit cards.

Fraud protection

Along with credit card benefits, First Citizens offers robust fraud protection services to help keep your cards and information safe.

Visa Zero Liability Policy

Protect your account from unauthorized transactions

The Visa Zero Liability PolicyD is a guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit card is lost, stolen or fraudulently used, online or offline.

Card Alerts

Set credit card alerts within Digital Banking

  • Get alerts for credit card transactions
  • Find out when your account number was used without a card present
  • Get payment due date reminders and balance alerts
Card Controls

Access any of our card services from your phone

  • Temporarily lock your credit card
  • Report a lost or stolen credit card
  • Notify us if you are traveling
  • Order a replacement
  • Add authorized users

Cellular Telephone Protection, Travel and Emergency Assistance Services, Auto Rental Collision Damage Waiver, Porch Piracy Protection, Rideshare Protection and Trip Delay Reimbursement 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).

No one can prevent all identity theft. NortonLifeLock™ is the benefit provider and is solely responsible for the program and all its associated services. Neither Visa nor First Citizens shall have any responsibility or liability in connection with NortonLifeLock™ rendering of the service.

Note: Customers must pay service provider for mileage over five miles. A secondary unit being towed behind isn't included but can be accommodated for an additional fee. Standard winching applies within 100 feet of paved or county maintained road only. Additional fees may apply for winching services under certain circumstances.

Additional terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor First Citizens shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other off-road areas not accessible by ordinary towing vehicles. Weather conditions, time of day and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location. However, neither Visa nor First Citizens provides any assurances as to the ability of the service provider to meet such estimates. You're responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you're not with your vehicle or your vehicle is gone upon their arrival. 24-hour roadside assistance services are provided by Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation; and Cross Country Motor Club of California, Inc., a California corporation. Current fee for a standard service call is $69.95. Service call fees are subject to change at any time. However, callers will be notified prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited.

All First Citizens credit cards automatically protect you from liability for unauthorized transactions when you report them promptly. 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.

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