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  2. Loans & Credit
  3. Credit Cards
  4. First Citizens Rewards Visa® Card

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
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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. There will be no annual rewards fee for one year. After a year, a $50 annual rewards fee will be billed to your account annually. This fee is subject to change at any time. Limited time offer for introductory annual rewards fee expires on December 31, 2018.

Consumer Credit Card Cardholder Agreement & Disclosure for credit cards issued by First Citizens Bank: First Citizens Bank, P D F opens in a new tab  Southern Bank, P D F opens in a new tab

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
+ View Legal Disclosures− Hide Legal Disclosures

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 September 30, 2018 is 5.25% 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 tab  Southern Bank, P D F opens in a new tab

+ View Legal Disclosures− Hide Legal Disclosures

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 tab 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 tab.

Consumer Credit Card Cardholder Agreement & Disclosure for credit cards issued by First Citizens Bank: First Citizens Bank, P D F opens in a new tab  Southern Bank, P D F opens in a new tab