First Citizens Rewards® Visa® Card Accelerate Your Earnings

Accelerate your earnings with our premium rewards program. Earn 50% more points and qualify for exclusive travel experiences.


  • 1.5 points on every $1 spent on qualifying purchases1
  • 2,500 bonus points upon enrollment
  • 0% APR2 balance transfers for 12 months, then a 10.99% to 21.99% variable APR3
  • Earned points awarded to your account daily
  • No earnings cap and points never expire
  • Protect your cell phone4 when you pay your monthly cell phone bill with your First Citizens Visa card
  • Airline, hotel and car rental vouchers and other exclusive travel experiences
  • Use rewards as statement credits for travel purchases with our exclusive Pay Me Back5 redemption option
Program Terms, Opens a modal
  • APR3 – 10.99% to 21.99% based on creditworthiness
  • Balance Transfers2 – 0% introductory APR for first 12 months, then a 10.99% to 21.99% variable APR3
  • Cash Advances – 21.99% to 24.99% APR based on creditworthiness
  • Annual Rewards Program Fee – $506 or 5,000 points

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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