Rewards Credit Card

A credit card that makes every day rewarding

Earn Rewards Everywhere

Get more points on groceries, gas and streaming services.D

Enjoy More Benefits

Credit card benefits make purchasing safer, quicker and more convenient.

An Introductory Offer

Consolidate debt with 0% intro APRD on balance transfers for the first 12 months.D

Rewards

A competitive rate, a variety of rewards

Choose your credit card rewards from a range of redemption options including cash back,D gift cards and merchandise.

  • For every $1 you spend, earn 3 pointsD on gas and streaming services, 2 on groceries and drugstores, and 1 point on everyday purchasesD
  • Points post to your account daily
  • Use points to get reimbursed for travel you book on your own terms or a recent purchase with our exclusive Pay Me Back® redemption optionD
  • Enjoy no annual fee with this credit card
More Information

Card details and transaction fees

Balance transfers

0% introductory APRD for first 12 monthsD on balance transfers, then variable purchase rate of 12.99% to 21.99% based on creditworthiness applies

Maximize your rewards

Automatically earn more points every day when you use your card for gas, groceries, drugstores and streaming services

No annual fee

Enjoy all this card has to offer with $0 annual fee

Tap your card to pay

Make quick and secure purchases with contactless payments.

Get alerts

Track your accounts and transactions with text and email alerts.

Pay your bills

Automate your bill payments with Digital Banking for extra peace of mind.

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

Credit Card Benefits

Get protection and more with Visa

Our credit cards offer a wealth of great benefits, from contactless payments to porch piracy protection.
First Citizens Rewards

Manage and redeem your rewards online

What will you earn with credit card rewards? Choose cash back, travel perks, gift cards and more.

Normal credit approval applies.

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

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

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.

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.

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.

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.

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.