First Citizens Rewards® Visa® Card with No Annual Fee

Earn rewards by paying for everyday expenses. Enjoy a competitive rate and a variety of rewards options.


  • 1 point for every $1 spent on qualifying purchases1
  • 0% APR3 on balance transfers for 12 months, then a 10.99% to 21.99% variable APR2
  • No annual fee
  • Earned points awarded to your account daily
  • Redeem points for cash back, gift cards and merchandise
  • Use rewards as statement credits for travel purchases with our exclusive Pay Me Back redemption option4
  • Protect your cell phone5 when you pay your monthly cell phone bill with your First Citizens Visa card
Program Terms, Opens a modal
  • Balance Transfers2 – 0% introductory APR3 for first 12 months, then a 10.99% to 21.99% variable APR
  • APR3 – 10.99% to 21.99% based on creditworthiness
  • Cash Advances – 21.99% to 24.99% APR based on creditworthiness
  • Annual Rewards Program Fee – $0
  • Upgrade – Accelerate your earnings for an annual fee of $506 or use 5,000 points and earn 50% more

Transaction Fees

  • Balance transfers – 3% of each transaction (minimum $5)
  • Cash advance – 3% of the amount of each cash advance (minimum $5)
  • Foreign transactions – 2% of each transaction in U.S. dollars

Existing customers may apply through Digital Banking, in person or by phone.

Call 888.FC.DIRECT


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