Normal credit approval applies.

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

Consumer Credit Card Cardholder Agreement & Disclosure for credit cards issued by First Citizens Bank: First Citizens Bank  Southern Bank

1. 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, 2015 is 3.50% 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.

Consumer Credit Card Cardholder Agreement & Disclosure for credit cards issued by First Citizens Bank: First Citizens Bank  Southern Bank

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 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.

Consumer Credit Card Cardholder Agreement & Disclosure for credit cards issued by First Citizens Bank: First Citizens Bank  Southern Bank