First Citizens Rewards
Visa® Card
Earn More. Do More.®
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 purchases1
- Redeem for a wide variety of rewards, including cash back2, digital and gift card rewards, travel, merchandise, and much more
- Pool points with other First Citizens consumer credit cardholders to earn even faster
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 purchases1
- No earnings caps and points never expire
- Redeem for a wide variety of rewards, including cash back2, digital and gift card rewards, travel, merchandise, and unique experiences
- Pool points with other First Citizens consumer credit cardholders to earn even faster
- 2,500 bonus points upon enrollment
- Low annual rewards program fee of $503
Unlimited Cash Back
Earn unlimited cash back on everyday purchases with no
annual fee.
- Earn 1% cash back for every $1 spent on qualifying purchases1
- No earning cap
- Redeem for statement credit or a deposit into your First Citizens checking or savings account
Account Access
- Account access via Digital Banking
- Access and make redemptions via First Citizens Rewards, Opens in a new window®
- Instant cash advances at any ATM (PIN required)
Normal credit approval applies.
1. Qualifying purchases are defined as gross retail purchases less any returns or credits.
2. Cash back rewards can be redeemed as a statement credit or as a deposit into your First Citizens checking or savings account.
3. 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 window Southern Bank, P D F opens in a new window
Standard Annual Percentage Rate (APR)1 for purchases and balance transfers
- 12.74% to 23.74% based on your creditworthiness
Introductory Offer for Balance Transfers2
- 0% introductory APR for first 12 months on balance transfers, then 12.74% - 23.74% variable APR
APR for Cash Advances
- 23.74% to 26.74% 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
Normal credit approval applies.
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 June 30, 2018 is 5.00% 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.
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. 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 window Southern Bank, P D F opens in a new window
- 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 window
- 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 window
- Activate the Verified by Visa2, Opens in a new window 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 window 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 window.
Consumer Credit Card Cardholder Agreement & Disclosure for credit cards issued by First Citizens Bank: First Citizens Bank, P D F opens in a new window Southern Bank, P D F opens in a new window
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?
Or call
1.888.FC DIRECT (1.888.323.4732)
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Make deposits, pay bills, transfer funds and manage your account on the go
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