Cash Rewards Credit Card

Get the credit card that gives you cash back

The possibilities are limitless

You won't find quarterly maximums here. Our Cash Rewards credit card gives you cash back on every purchase—and always at the same great rate.

Get cash back with a Visa Cash Rewards credit card from First Citizens Bank

Unlimited cash back

1.5% cash back on every $1 you spendD and no annual fee.

Convenient benefits

Go beyond rewards with a host of credit card benefits.

Special offer

Get 0% intro APRD on balance transfers within the first 12 months.D

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Cash Rewards

Simply earn cash back every day

Redeem your credit card rewards your way—such as transferring your cash back rewards to a First Citizens account.

  • Earn 1.5% unlimited cash back on all your purchasesD
  • Reward dollars post to your account daily
  • Use rewards to get reimbursed for a recent purchase with our exclusive Pay Me Back® redemption optionD
  • Pay no annual fee with this card

Cash Rewards Credit Card Information
Card details and transaction fees

Balance transfers

0% introductory APRD for first 12 monthsD on balance transfers, then variable purchase rate of 17.49% to 26.49% based on creditworthiness applies.

Always know what you're earning

Keep it simple with 1.5% cash back on every purchase you make, every day.D

No annual fee

Enjoy all this card has to offer with $0 annual fee.

Tap your card to pay

Make quick and secure purchases with contactless payments.

Get alerts

Track your accounts and transactions with text and email alerts.

Pay your bills

Automate your bill payments with Digital Banking for extra peace of mind.

Credit card rewards calculator
Choose how you want to earn rewards

First Citizens offers several credit cards, but the best credit card for you depends on how you like to shop and spend your money. When it comes to earning reward points, which of our credit cards will be the most rewarding for you? Use this handy credit card rewards calculator to find out.

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

Learn more about managing your card security and alerts
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

Learn more about managing your card security and alerts

Cash Rewards Credit Card FAQ
People often ask us

Earn 1.5% cash back when you use your Cash Rewards credit card to make purchases. Keep in mind that not every transaction may earn cash rewards. Balance transfers and cash advances, for example, may not be eligible.

You can earn 1.5% unlimited cash back on all your purchases. Purchases are defined as gross retail purchases less any returns or credits with some exceptions like balance transfers and cash advances. The full program rules are provided during enrollment, and you can access them any time at FirstCitizensRewards.com.

No. There's no limit or cap on the cash rewards you can earn.

You can redeem your cash back rewards online anytime when you log in to Digital Banking.

  • Choose your Cash Rewards credit card account
  • Select the Details & Settings tab
  • Navigate to your rewards balance under the Access Rewards header

Rewards can also be redeemed by calling the First Citizens Rewards Center at 866-645-1694, Monday through Saturday from 8 am to 9 pm ET and Sunday from 8 am to 6 pm ET.

Rewards redemption options for the Cash Rewards credit card include:

  • Cash back in the form of a credit card statement credit
  • Deposits into your First Citizens checking or savings account
  • Pay Me Back: Use your cash rewards to pay for a recent purchase made on your credit card account
  • Pay My Loan: Use your cash rewards to pay down your First Citizens loan or mortgage
  • Donations to Teen Cancer America

Yes. Cash back rewards earned using the Cash Rewards credit card expire 3 years from the original month earned. For example, rewards earned in March 2023 will expire in March 2026. FirstCitizensRewards.com provides details about rewards earned and upcoming expiration dates so you can ensure you don't miss out on your rewards.

You can also view your cash back rewards when you log in to Digital Banking.

  • Choose your Cash Rewards credit card account
  • Select the Details & Settings tab
  • Navigate to your rewards balance under the Access Rewards header

No. The IRS views cash-back bonuses as a rebate or discount, which is not taxable income.

Insights
A few financial insights for your life

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A credit score is a snapshot of your potential risk to a lender.
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Credit Card Perks You May Have Overlooked

Do you know whether you have these four credit card perks?
Depending on where you're buying, a contactless card may even mean you can now avoid checkout lines and checkout terminals entirely.

Normal credit approval applies.

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

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

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 November 30, 2024, is 7.75% and may vary in the future. The transaction fee for cash advances is $10 or 5% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactions is 3% (0% for Travel Rewards) of each transaction after conversion to US dollars.

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.

Pay Me Back redemptions must be made within 60 days of original qualifying purchases of $100 or greater. Some exclusions apply to certain categories of transactions. No statement credit card will be applied against any monthly minimum payment due.

The information provided should not be considered as tax or legal advice. Please consult with your tax advisor.

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.

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