Credit Cards

Apply for a credit card that works for you

Rewards

Earn points by making everyday purchases and pay no annual rewards program fee.

  • 1 point for every $1 spent on qualifying purchasesD
  • 0% APRD on balance transfers for 12 months, then a 10.99% to 21.99% variable APRD
  • Redeem rewards points for cash back,D gift cards and merchandise

Cash Back

Transform everyday purchases into unlimited cash back.

  • 1% cash back on every $1 spent on qualifying purchasesD
  • Pay no annual rewards program fee
  • Transfer your earnings to your other First Citizens accountsD

Accelerated Earnings

Earn 50% more points on everyday purchases and get exclusive travel rewards.

  • 1.5 points for every $1 spent on qualifying purchasesD
  • No earnings cap
  • Points never expire
  • Redeem for cash backD or exclusive travel experiences

Smart Option

Get our lowest available rate.

  • 0% intro APRD on balance transfers for first 12 months, then a 7.99% to 18.99% variable APRD
  • Consolidate higher interest rate balances
  • Pay no annual fee

Secured Cash Back

Earn unlimited cash back while you build your credit.

  • 1% cash back on every $1 spent on qualifying purchasesD
  • Establish or rebuild your credit
  • Monitor your credit with your free monthly FICODD score within Digital Banking

Answer a few quick questions to find the right credit card for you

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

First Citizens Rewards

Manage and redeem your rewards online

Log in to our rewards center to check your balance and view redemption options.

Prestige Checking Account

Your money deserves more

Get exclusive benefits and preferred rates with our Prestige checking account.
Security

The same secure banking you've come to rely on us for in person, online

Security Alerts

We'll automatically send you alerts if your account credentials change.

Card Freezes

Temporarily freeze or unfreeze your card if it's lost or stolen, or if you suspect fraud.

Advanced Security

Rest assured that all your confidential account information is protected.

Insured

Your money is insured by the Federal Deposit Insurance Corporation.

FAQ

People often ask us

An APR, or annual percentage rate, represents the cost of credit on a yearly basis.

If you see a suspicious charge, call the number on the back of your card and select the Report Fraud option. That number is 800-543-9000.

Yes. You can access your First Citizens credit card information online through Digital Banking. You can view your current account status and review 6 months' worth of transaction history. You can also access account information and view recent transactions in Mobile & Tablet Banking.

When you pay your First Citizens credit card bill online from a First Citizens account, any payment funds transferred before 9 pm ET (even on weekends and holidays) are credited the same day. Your updated account balance and availability of funds could take 2 business days. When you pay your First Citizens credit card bill online from a non-First Citizens checking or savings account, the payment will be requested within 24 hours after you submit the payment online.

Contact the First Citizens Rewards® Center at 866-645-1694. Customer Service Representatives are available 7 days a week from 7 am to 11 pm ET. You may also access your account at FirstCitizensRewards.com.

Normal credit approval applies.

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

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 ${date-today} is 3.25% 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 US dollars.

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

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.

FICO® and “the score lenders use” are registered trademarks of Fair Isaac Corporation in the United States and other countries.

The FICO® Score and associated educational content are provided solely for your own non-commercial personal review, use and benefit. First Citizens Bank and Fair Isaac are not credit repair organizations as defined under federal and state law.

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.