Rewards Credit Card

A credit card that makes every day rewarding

Earn more on everyday essentials

Now here's a card you'll always want in your wallet. With our rewards credit card, points are easier to earn on regular everyday purchases.

Enjoy a variety of rewards with a Visa Rewards credit card from First Citizens Bank

Earn rewards everywhere

Get more points on groceries, gas and streaming services.D

Enjoy more benefits

Credit card benefits make purchasing safer, quicker and more convenient.

An introductory offer

Consolidate debt with 0% intro APRD on balance transfers for the first 12 months.D

Earn Rewards Points

A competitive rate, a variety of rewards

Choose your credit card rewards from a range of redemption options including cash back,D gift cards and merchandise.

  • For every $1 you spend, earn 3 pointsD on gas and streaming services, 2 on groceries and drugstores, and 1 point on everyday purchasesD
  • Credit card rewards points are posted to your account daily
  • Use points to get reimbursed for travel you book on your own terms or a recent purchase with our exclusive Pay Me Back® redemption optionD
  • Enjoy no annual fee with this credit card
Rewards Card Information

Card details and transaction fees

Balance transfers

{product.RC.Intro_APR_RT} introductory APRD for first 12 monthsD on balance transfers, then variable purchase rate of {product.RC.BT_Min_RT} to {product.RC.BT_Max_RT} based on creditworthiness applies

Maximize your rewards

Automatically earn more points every day when you use your card for gas, groceries, drugstores and streaming services

No annual fee

Enjoy all this card has to offer with $0 annual fee

Tap your card to pay

Make quick and secure purchases with contactless payments.

Get alerts

Track your accounts and transactions with text and email alerts.

Pay your bills

Automate your bill payments with Digital Banking for extra peace of mind.

Manage Your Cards

Access any of our card services from your phone

Temporarily lock your card

Report a lost or stolen card

Notify us if you're traveling

Manage Your Cards

Access any of our card services from your phone

Temporarily lock your card

Manage Your Cards

Access any of our card services from your phone

Report a lost or stolen card

Manage Your Cards

Access any of our card services from your phone

Notify us if you're traveling

FAQ

People often ask us

Whether you're a frequent flier, diner or shopper, credit cards can be rewarding. Based on your spending and the type of card in your wallet, you might earn cash back, travel rewards or points to redeem for your choice in rewards. You might decide to stick with cash back or points cards, based on your spending patterns, or you might go with cards that supply miles or travel rewards to help pay for airfare, hotel stays and more.

Rewards redemption options for this credit card include:

  • Cash back in the form of a statement credit or as a deposit into your First Citizens checking or savings account
  • Pay Me Back: Use points to pay for a recent purchase made on your credit card account
  • Pay My Loan: Use points to pay down your First Citizens loan or mortgage
  • Donate to Teen Cancer America
  • Gift cards
  • Merchandise

With the Rewards credit card, you can earn up to 10,000 points per month. Credit card rewards points expire 3 years from the original month earned. For example, points earned in March of 2023 will expire in March of 2026.

You can learn more about credit card rewards point values by visiting Credit Card Rewards and selecting See Examples.

Merchants who accept Visa® credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for the purposes of making reward offers to you.

We make every effort to include all relevant merchant codes in our bonus reward categories. However, although a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.

Insights

A few financial insights for your life

No results found

Normal credit approval applies.

For more information, please see the First Citizens Consumer Credit Card Cardholder Agreement and Disclosure (PDF).

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

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 {product.SOC.DISC_WSJ_DT}, is {product.SOC.DISC_WSJ_RT} and may vary in the future. The transaction fee for cash advances is $10 or 5% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactions is 3% (0% for Travel Rewards) of each transaction after conversion to US dollars.

Balance transfer must occur within the first 90 days of account opening to qualify for the 0% APR (annual percentage rate) 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.

Cash back rewards can be redeemed as a statement credit or as a deposit into your First Citizens checking or savings account.

Pay Me Back redemptions must be made within 60 days of original qualifying purchases of $100 or greater. Some exclusions apply to certain categories of transactions. No statement credit card will be applied against any monthly minimum payment due.

Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

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