Turn your purchases into rewards

Get a 10,000 point introductory bonus1, plus 0% intro APR on balance transfers for 12 months2

One Card. Three Rewards Options. Our First Citizens Rewards Visa Card was designed with you in mind — with special benefits and rewards to fit your unique lifestyle

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