First Citizens Rewards
Visa® Card

Earn More. Do More.®

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

Standard Annual Percentage Rate (APR)1 for purchases and balance transfers

  • 12.99% to 23.99% based on your creditworthiness

Introductory Offer for Balance Transfers2

  • 0% introductory APR for first 12 months on balance transfers, then 12.99% - 23.99% variable APR

APR for Cash Advances

  • 23.99% to 26.99% based on your creditworthiness

Annual Rewards Program Fee

  • $0, unless you opt to accelerate your earnings for an annual rewards fee of $503, 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