Invest how you want, when you want, in real time with Self-Directed Investing.
Seamlessly access all of your accounts from one place with First Citizens Digital Banking for business.
We're committed to serving companies as they expand and succeed. The proof is in our success stories.
December FOMC meeting commentary: Available now
This month, the Fed lowered interest rates by another 0.25%. Read highlights and key takeaways from the Making Sense team.
Our Travel Rewards credit card is the perfect companion for those who love to roam. We've made it easier than ever to earn extra points when you travel.
Get more to travel
Earn more points when you spend on airlines, hotels and other travel purchases.
Exclusive benefits
Spend points on travel rewards and enjoy many other great credit card benefits.
Transfer a balance
Get 0% intro APRD on balance transfers within the first 12 monthsD as a special offer.
Redeem your points for credit card rewards including airlines, hotels, car rentals and other travel experiences.
0% introductory APRD for first 12 monthsD on balance transfers, then variable purchase rate of 16.74% to 25.74% based on creditworthiness applies
$95, waived for the first yearD
0% fee on transactions outside the US
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.
First Citizens offers several credit cards, but the best credit card for you depends on how you like to shop and spend your money. When it comes to earning reward points, which of our credit cards will be the most rewarding for you? Use this handy credit card rewards calculator to find out.
Temporarily lock your card
Report a lost or stolen card
Notify us if you're traveling
Temporarily lock your card
Report a lost or stolen card
Notify us if you're traveling
Treasury & Cash Management
Electronic Bill Presentment & Payment
Investment & Retirement Services
Community Association Banking
Equipment Financing & Leasing
Credit Cards
Merchant Services
Email Us
Please select the option that best matches your needs.
Customers with account-related questions who aren't enrolled in Digital Banking or who would prefer to talk with someone can call us directly.
Earning Points
With Travel Rewards, you will earn three (3) points on travel, two (2) points on dining, and one and a half (1.5) points for each net dollar you spend (gross purchases less any returns or credits). Earned points are calculated on actual dollars spent rounded up or down to the nearest point. Points will be deducted from the available rewards account balance for all returned purchases.
There's no monthly point cap and points don't expire.
Redeeming Points
Each point is worth $0.01, which means that 100 points equals $1 in redemption value. Redemptions start as low as 10,000 points. Some limitations may apply.
You may redeem points back into other First Citizens banking products:
Cash back and account credit redemptions must be completed through the program website, however a statement credit back to your First Citizens Card can also be redeemed through the First Citizens Rewards Call Center. The redemptions will post within 2 to 8 business days. No First Citizens card or mortgage account credit will be applied, in whole or in part, against any monthly minimum payment due, however, account credits to your First Citizens consumer loan will be applied first to your outstanding interest and any remaining amount will be applied to your principal.
Redemptions are also available for travel, including airline tickets, hotel, car rentals, cruises and tours, retail gift cards and certificates, donations and merchandise.
You may use points for a Pay Me Back® redemption, meaning a statement credit for the corresponding dollar amount will be applied to your First Citizens Travel Rewards card that was used for the purchases over $100. Some exclusions apply to certain categories of transactions. No statement credit will be applied, in whole or in part, against any monthly minimum payment due.
Airline Ancillary Fee Credit
You're eligible for one statement credit of up to $100 each calendar year if you make qualifying airline ancillary fee transactions with a First Citizens Travel Rewards card. Qualifying transactions are those purchases made on select US domestic-originated flights on certain US domestic airline carriers that include seating upgrades, ticket change or cancellation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, and airport lounge fees affiliated with eligible airline carriers. Airline ticket purchases, mileage point purchases, mileage point transfer fees, gift cards, duty-free purchases, award tickets and fees incurred with airline alliance partners do not qualify.
These terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible through the program website at FirstCitizensRewards.com.
Program rules are subject to change or cancellation without notice.
