First Citizens Rewards
Visa® Card
Earn More. Do More.®
Reward Options
Rates & Fees
Additional Benefits
Reward Options
Rates & Fees
Additional Benefits
Earn Rewards
Competitive rate and free membership in First Citizens Rewards®, making this the ideal card for everyday purchases.
- Earn 1 point for every $1 spent on qualifying purchases3
- Redeem for a wide variety of rewards, including cash back, digital, and gift card rewards, merchandise, and much more
- Redeem for account credits to be applied to your First Citizens consumer loan or mortgage
Accelerate Your Earnings
Premium rewards experience allowing you to earn 50% more points on all purchases.
- Earn 1.5 point for every $1 spent on qualifying purchases3
- No cap on earnings and points never expire
- Redeem for a wide variety of rewards, including cash back, digital and gift card rewards, travel, merchandise, and unique experiences
- Redeem for account credits to be applied to your First Citizens consumer loan or mortgage
- 2,500 bonus points upon enrollment
- Low annual rewards program fee of $504
Unlimited Cash Back
Earn unlimited cash back on everyday purchases with no
annual fee.
- Earn 1% cash back for every $1 spent on qualifying purchases3
- No earning cap
- Redeem for statement credit or a deposit into your First Citizens checking or savings account
- Redeem for account credits to be applied to your First Citizens consumer loan or mortgage
Account Access
- Account access via Digital Banking
- Access and make redemptions via First Citizens Rewards, Opens in a new tab®
- Instant cash advances at any ATM (PIN required)
At the Base Rewards Tier, you will earn 1 point for each $1 you spend for all net retail purchases (gross retail 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.
At the Base Rewards Tier, cardholders may earn up to 10,000 points per calendar month. Points earned are available for redemption for a 3 year term. After the three year term, points expire and can no longer be redeemed. Points expiring during the year will be cleared from your Program Account on the last day of the month in which they expire.
Redeeming PointsEach point is worth $.01, which means that 100 points equals $1 in redemption value. Redemptions start as low as 10,000 points. All rewards redemptions can be made through the First Citizens Rewards Center by telephone or via the Program website. Some limitations apply.
You may redeem points back into other First Citizens banking products:
- Cash Back to an existing First Citizens Bank checking account, savings account or credit card account
- Account credits towards a First Citizens personal loan or mortgage
Cash back and account credit redemptions must be completed via the Program website, however a statement credit back to your First Citizens Card can also be redeemed via the First Citizens Rewards Call Center. The redemptions will post within 2-8 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 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 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.
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 via the program website at firstctizensrewards.com at log in.
Program Rules are subject to change or cancellation without notice.
The new enrollment bonus offer is available at account opening to new cardholders in the Accelerated Rewards Tier of the First Citizens Rewards® credit card or existing cardholders who upgrade to the Accelerated Rewards Tier. Not valid with any other promotional offers.
Earning PointsAt the Accelerated Rewards Tier, you will earn 1.5 points for each $1 you spend for all net retail purchases (gross retail 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 is no monthly point cap and points do not expire as long as you remain in the Accelerated Rewards Tier.
Redeeming PointsEach point is worth $.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 to an existing First Citizens Bank checking account, savings account or credit card account
- Account credits towards a First Citizens personal loan or mortgage
Cash back and account credit redemptions must be completed via the Program website, however a statement credit back to your First Citizens Card can also be redeemed via the First Citizens Rewards Call Center. The redemptions will post within 2-8 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.
Cardholders in the Accelerated Rewards Tier may redeem 50,000 points for one continental flight when the flight is booked at least 21 days in advance and includes a Saturday night stay. This reward is only available for redemption on coach tickets priced below $1,000.00. Tickets priced above $1,000.00 are not eligible for this reward.
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 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.
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 via the program website at firstctizensrewards.com at log in.
Program Rules are subject to change or cancellation without notice.
With Cash Back Rewards, you will earn 1 reward dollar for each $100 net dollars you spend for net retail purchases (gross retail purchases less any returns or credits). Earned reward dollars are calculated on actual dollars spent rounded up or down to the nearest point. Reward dollars will be deducted from the available rewards account balance for all returned purchases.
There is no monthly earnings cap. Reward dollars earned are available for redemption for 3 years. Reward dollars expiring during the year will be cleared from your Program Account on the last day of the month in which they expire.
Redeeming Reward DollarsEach reward dollars is worth $1, which means that $100 reward dollars equals $100 in redemption value. Redemptions start as low as $25 rewards dollars.
You may redeem reward dollars back into other First Citizens banking products:
- Cash Back to an existing First Citizens Bank checking account, savings account or credit card account
- Account credits towards a First Citizens personal loan or mortgage
Cash back and account credit redemptions must be completed via the Program website, however a statement credit back to your First Citizens Card can also be redeemed via the First Citizens Rewards Call Center. The redemptions will post within 2-8 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.
You may redeem rewards dollars for account credits to be deposited to your First Citizens checking or savings account or applied to your First Citizens credit card, consumer loan or mortgage.
You may use reward dollars for a Pay Me Back® redemption, meaning a statement credit for the corresponding dollar amount will be applied to your First Citizens 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.
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 via the program website at firstctizensrewards.com at log in.
Program Rules are subject to change or cancellation without notice.
Normal credit approval applies.
1. One-time 10,000 point new account bonus offer: To qualify for the 10,000 point new account bonus offer, you must make qualified purchases totaling $1,500 or more during the first 90 days from account opening. Qualified purchases do not include balance transfers, convenience checks, and cash advances. Within 60 days from qualification, you will be awarded 10,000 points which has a value of $100. Your account must be in good standing at the time the bonus points are awarded. Offer valid on new accounts enrolled in First Citizens Rewards only and expires June 30, 2019. Your application must be received during the promotional period between April 1, 2019 and June 30, 2019 to be eligible for this offer. Existing cardholders are not eligible for this offer.
2. Balance transfer must occur within the first 90 days of account opening to qualify for the 0% APR 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.
3. Qualifying purchases are defined as gross retail purchases less any returns or credits.
4. Enrollment involves an annual rewards program fee of $50. This fee is subject to change at any time, and will be billed to your account upon enrollment.
Consumer Credit Card Cardholder Agreement & Disclosure for credit cards issued by First Citizens Bank: First Citizens Bank, P D F opens in a new tab Southern Bank, P D F opens in a new tab
Promotional Offer1
10,000 point introductory bonus after you spend $1,500 on qualifying purchases in the first 90 days after account opening.
Introductory Offer for Balance Transfers2
- 0% introductory APR for first 12 months on balance transfers, then 13.24% - 24.24% variable APR
Standard Annual Percentage Rate (APR)3 for purchases and balance transfers
- 13.24% to 24.24% based on your creditworthiness
APR for Cash Advances
- 24.24% to 27.24% based on your creditworthiness
Annual Rewards Program Fee
- $0, unless you opt to accelerate your earnings for an annual rewards fee of $504, which you can elect to pay with 5,000 points
Transaction Fees
- Balance Transfer - 3% of each transaction (minimum $5)
- Cash Advance - 3% of the amount of each cash advance (minimum $5)
- Foreign Transaction - 2% of each transaction in U.S. dollars
Normal credit approval applies.
1. One-time 10,000 point new account bonus offer: To qualify for the 10,000 point new account bonus offer, you must make qualified purchases totaling $1,500 or more during the first 90 days from account opening. Qualified purchases do not include balance transfers, convenience checks, and cash advances. Within 60 days from qualification, you will be awarded 10,000 points which has a value of $100. Your account must be in good standing at the time the bonus points are awarded. Offer valid on new accounts enrolled in First Citizens Rewards only and expires June 30, 2019. Your application must be received during the promotional period between April 1, 2019 and June 30, 2019 to be eligible for this offer. Existing cardholders are not eligible for this offer.
2. Balance transfer must occur within the first 90 days of account opening to qualify for the 0% APR 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.
3. 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 December 31, 2018 is 5.50% and may vary in the future. The transaction fee for cash advances is $5 or 3% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactions is 2% of each transaction after conversion to U.S. dollars.
4. Enrollment involves an annual rewards program fee of $50. This fee is subject to change at any time, and will be billed to your account upon enrollment.
Consumer Credit Card Cardholder Agreement & Disclosure for credit cards issued by First Citizens Bank: First Citizens Bank, P D F opens in a new tab Southern Bank, P D F opens in a new tab
- Cell phone protection1 when you pay your monthly cell phone bill with your First Citizens Rewards Visa Card
- Fast and secure online shopping with Visa Checkout2, Opens in a new tab
- Guaranteed fraud protection3
- Travel and Emergency Assistance Services1
- Auto Rental Collision Damage Waiver1
- Chip technology for enhanced security and global acceptance
- Exclusive Visa discounts2, Opens in a new tab
- Activate the Verified by Visa2, Opens in a new tab feature for added peace of mind
- Eligible for Visa Signature with a credit line of $5,000 or greater
- Enroll in e.statements through Digital Banking for paperless statements
- Fraud alerts to notify you in the case of unusual activity
Normal credit approval applies.
1. Cellular Telephone Protection, Travel and Emergency Assistance Services and Auto Rental Collision Damage Waiver provided by Visa®. Certain terms, conditions and exclusions apply. Please refer to your Visa Guide To Benefit, P D F opens in a new tab for further details. Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.
2. Upon clicking this link, you will leave the First Citizens Bank website and go to a third party site. Third party sites may have a privacy policy different from First Citizens Bank and may provide less security than this site. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third party website.
3. All First Citizens credit cards automatically protect you from liability for unauthorized transactions when you report them promptly. For more information, please see the Consumer Credit Card Cardholder Agreement & Disclosure, P D F opens in a new tab.
Consumer Credit Card Cardholder Agreement & Disclosure for credit cards issued by First Citizens Bank: First Citizens Bank, P D F opens in a new tab Southern Bank, P D F opens in a new tab
Looking to earn more? Do more?
Call us to apply
1.888.FC DIRECT
(1.888.323.4732)
Representatives available 7:00 a.m. to 11:00 p.m. Eastern time, 7 days a week
Or, visit your local branch
Learn more about:
Looking to earn more? Do more?
Call us to apply
1.888.FC DIRECT
(1.888.323.4732)
Representatives available 7:00 a.m. to 11:00 p.m. Eastern time, 7 days a week
Or, visit your local branch
Learn more about:
Additional Information
Questions?
Email us
Or call
1.888.FC DIRECT (1.888.323.4732)
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