First Citizens Bank
Credit Cards
We offer a variety of credit cards to suit different lifestyles, different needs. So choose the First Citizens Visa® credit card that's right for you and enjoy credit convenience everywhere you go. And credit card holders can earn BankMiles®1 to fly anywhere, anytime.
Classic card features
- Instant cash advances at any ATM (PIN required)
- Checks that let you access your credit line (upon request)
- $150,000 Travel Accident Insurance with tickets purchased for any common carrier by using your card.
Gold/Platinum features
- Premium cards, high credit limit
- Instant cash advances at any ATM, (PIN required)
- $500,000 Travel Accident Insurance with tickets purchased for any common carrier by using your card
- Auto rental collision and loss damage insurance
- Emergency ticket and cash replacement
- Replacement of lost or stolen cards
- Emergency medical and legal services while traveling
Credit card schedule of fees
| Classic | Gold | |
| Annual Fee | $0 |
$0 |
| APR | Prime Plus 3.9% (Variable) |
Prime Plus 2.5% (Variable) |
| Platinum | Medical Platinum | |
| Annual Fee | $0 |
$0 |
| APR | Prime Plus 2.95% (Variable) |
Prime Plus 2.95% (Variable) |
Minimum annual percentage rate (APR) of 10.00%.
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Call us toll-free 1.888.FC DIRECT (1.888.323.4732)
© 2009 First Citizens Bank