Find answers to questions about credit card rewards

Earning Points

Rewards point balances are typically updated within 3 business days after your purchase with the exception of holidays.

Redeeming Rewards

You can log in to Digital Banking to see your rewards balance, redeem points and manage your account.

When you redeem points for cash back, funds can be deposited to your First Citizens checking or savings account, or as a statement credit for your credit card.

Pay Me Back gives you more flexibility in how you redeem your points for rewards. You can use Pay Me Back to offset qualifying purchases over $100 by redeeming your points for a statement credit.

You can use Pay My Loan to reward yourself by applying a credit towards your loan or mortgage principal. Please note that Pay My Loan doesn't replace your scheduled monthly payment.

We offer gift cards for restaurants, retailers, airlines, cruise lines and so much more. Our gift cards are a great option for gifting, special occasions or a special treat for yourself.

Your rewards program offers top-brand items in a variety of categories based on your credit card. Types of merchandise may include electronics, cameras, luggage, golf clubs, office accessories, audio, fitness, style and staycation gear. Log in to Digital Banking and navigate to the Rewards section to view the full collection.

Whether you're checking off a trip on your bucket list or enjoying a staycation, we have you covered. Our travel rewards include a wide range of flights, car rentals, hotels, cruise lines and other experiences.

Yes. We invite you to join our partnership with Teen Cancer America. You can donate your points to help teens fight cancer, providing them with better care and a brighter future.

Customer Service

You can contact the First Citizens Rewards Center by calling 866-645-1694. Representatives are available Monday through Saturday from 8 am to 9 pm ET and on Sunday from 8 am to 6 pm ET.

Yes. Call the First Citizens Rewards Center at 866-645-1694 Monday through Saturday from 8 am to 9 pm ET and on Sunday from 8 am to 6 pm ET. When prompted, enter your 16-digit credit card number, then select option 1 to speak with our Travel Service Team. They can answer all your travel-related questions and book travel rewards as requested.

Most gift cards and merchandise will be received within 10 business days. However, please allow up to 20 business days, especially during peak redemption season. Keep in mind that your items may be shipped separately.

If your reward is damaged or lost, please contact the First Citizens Rewards Center at 866-645-1694 Monday through Saturday from 8 am to 9 pm ET or Sunday from 8 am to 6 pm ET. Our Service Team will collect your information, process the required forms and walk you through the next steps for your inquiry or dispute.

Reward redemptions are final and not eligible for refunds. If you're unsatisfied with your reward redemption, please call the First Citizens Rewards Center at 866-645-1694 Monday through Saturday from 8 am to 9 pm ET or on Sunday from 8 am to 6 pm ET.

Account Management

You can access your rewards account profile by logging into Digital Banking. Navigate to your reward experience, then select My Account from the top-level menu bar. There you'll see all the profile details for your rewards account, including transactions with earning and redemption history.

To update your rewards profile, log in to Digital Banking. In the left-hand menu, select Profile & Preferences. When you update this profile, the changes will carry over to your rewards profile the next time you log in.

Yes. Authorized redeemers are users who you choose to redeem points from your rewards account on your behalf. You may select your authorized redeemers online by logging into Digital Banking and navigating to Account Preferences. Authorized redeemers who are not cardholders can only make redemptions by calling the First Citizens Rewards Center at 866-645-1694.

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