Credit Card Rewards

Get more for your money with First Citizens Rewards

Redeem Points for Rewards

Choose the credit card rewards you want

Cash Back

Get a statement credit or a deposit to your First Citizens checking or savings account.D

Pay Me Back

Get a credit on your next statement for qualifying retail and travel-related purchases.D

Pay My Loan

Redeem points to pay down your First Citizens loan or mortgage.D

Donate

Help teens and young adults fight cancer by donating your rewards to Teen Cancer America.

Gift Cards

Redeem points for gift cards that can be used for retail, dining, gas or anywhere Visa® is accepted.

Merchandise

Get electronics, golf clubs, travel luggage and more from a variety of top retailers.

Travel

Redeem points for travel perks like flights, hotels, car rentals, cruises or the trip of a lifetime.

Curious about redemption point value?

Compare Credit Card Rewards

Find a card with the rewards you like

Travel Rewards

Rewards

Cash Rewards

Secured Cash Back

Cash backD

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Pay me backD

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Pay my loanD

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Donate to Teen Cancer America

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Gift cards

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Merchandise

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Travel

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Rewards FAQ

People often ask us

You can log in to Digital Banking to see your rewards balance, redeem points and manage your account.

You can contact the First Citizens Rewards Center by calling 866-645-1694. Representatives are available Monday through Saturday from 8 am to 9 pm ET and on Sunday from 8 am to 6 pm ET.

Rewards point balances are typically updated within 3 business days after your purchase with the exception of holidays.

You can access your rewards account profile by logging into Digital Banking. Navigate to your reward experience, then select My Account from the top-level menu bar. There you'll see all the profile details for your rewards account, including transactions with earning and redemption history.

Most gift cards and merchandise will be received within 10 business days. However, please allow up to 20 business days, especially during peak redemption season. Keep in mind that your items may be shipped separately.

Normal credit approval applies.

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

Visa gift cards are not FDIC insured.

Cash back rewards can be redeemed as a statement credit or as a deposit into your First Citizens checking or savings account.

Pay Me Back redemptions must be made within 60 days of original qualifying purchases of $100 or greater. Some exclusions apply to certain categories of transactions. No statement credit card will be applied against any monthly minimum payment due.

All redemptions must be completed in increments of $25 (2,500 points or $25 reward dollars). No statement credit will be applied against any monthly minimum payment due.

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.