Credit Cards

Overview

All accounts include:

Guaranteed fraud protection3

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Account type First Citizens Optimum RewardsSM Visa® Card First Citizens RewardsSM Visa® Card First Citizens Smart Option® Visa® Card
Best if you want Accelerated rewards earnings and a competitive rate. Free rewards and a competitive rate. Our lowest available interest rate.
Annual Fee $0 $0 $0
Annual Percentage Rate (APR)1 on purchases 10.99% - 21.99% variable APR 10.99% - 21.99% variable APR 7.99% - 18.99% variable APR
Introductory Offer 0% introductory APR for first 12 months on balance transfers, then 10.99% - 21.99% variable APR 0% introductory APR for first 12 months on balance transfers, then 10.99% - 21.99% variable APR 0% introductory APR for first 12 months on balance transfers, then 7.99% - 18.99% variable APR
Earn Rewards 1.5 points for every $1 spent on qualifying purchases3 1 point for every $1 spent on qualifying purchases3
Rewards program fee $50 or 5,000 points $0
Secure account access via Online Banking and Mobile Banking
Eligible for Visa Signature benefits
Guaranteed fraud protection4
Secure online shopping with Visa Checkout2
Cell phone protection5 when you pay your monthly cell phone bill with your card

Questions?

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1.888.FC DIRECT (1.888.323.4732)

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Secure account access to keep your finances streamlined and organized

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Make deposits, pay bills, transfer funds and manage your account on the go

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