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Rich Rewards. Cash Back. Low APR.

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Credit Card Features

First Citizens Rewards® Smart Option®
Account type Earn Rewards Accelerate Your Earnings Get Unlimited Cash Back Lowest APR
Best if you want Free rewards and a competitive rate. Accelerated rewards earnings and a competitive rate. Cash back rewards with no cap redeemable as a statement credit or direct deposit Our lowest available interest rate.
Annual Fee $0 $0 $0 $0
Annual Percentage Rate (APR)1 on purchases 11.99% - 22.99% variable APR 11.99% - 22.99% variable APR 11.99% - 22.99% variable APR 8.99% - 19.99% variable APR
Introductory Offer2 0% introductory APR for first 12 months on balance transfers, then 11.99% - 22.99% variable APR 0% introductory APR for first 12 months on balance transfers, then 11.99% - 22.99% variable APR 0% introductory APR for first 12 months on balance transfers, then 11.99% - 22.99% variable APR 0% introductory APR for first 12 months on balance transfers, then 8.99% - 19.99% variable APR
Earn Rewards 1 point for every $1 spent on qualifying purchases3 1.5 points for every $1 spent on qualifying purchases3 Earn 1% cash back for every $1 spent on qualified purchases3
Rewards Program Fee4 $0 $50 or 5,000 points $0
Secure account access via Digital Banking
Eligible for Visa Signature benefits
Guaranteed fraud protection5
Secure online shopping with Visa Checkout6
Cell phone protection7 when you pay your monthly cell phone bill with your card
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