First Citizens Rewards® Visa® with Unlimited Cash Back

Our cash back rewards program gives you the freedom to use your earnings however you choose. Conveniently transfer your balance to First Citizens bank accounts, loans or mortgages.


  • 1% cash back on every $1 spent on qualifying purchases1
  • 0% APR3 on balance transfers for 12 months, then a 10.99% to 21.99% variable APR2
  • No annual fee
  • Earned points awarded to your account daily
  • Unlimited cash back to redeem as a statement credit or direct deposit to a First Citizens account
  • Protect your cell phone4 when you pay your monthly cell phone bill with your First Citizens Visa card
  • Use rewards as statement credits for travel purchases with our exclusive Pay Me Back redemption option5
Program Terms, Opens a modal
  • APR3 – 10.99% to 21.99% based on creditworthiness
  • Balance Transfers2 – 0% introductory APR3 for first 12 months, then a 10.99% to 21.99% variable APR
  • Cash Advances – 21.99% to 24.99% APR based on creditworthiness
  • Annual Rewards Program Fee – $0
  • Upgrade – Accelerate your earnings for an annual rewards fee of $50 or use 5,000 points and earn 50% more6

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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