Credit Cards

You've got options. Compare cards and apply for the one that works best for you.

Here's a quick look at our credit cards to help you choose.
Account
Type
First Citizens Rewards® with No Annual Fee
First Citizens Rewards Accelerate Your Earnings
First Citizens Rewards with Unlimited Cash Back
First Citizens Smart Option®
Account type Learn More about no annual fee with our rewards card Learn More about accelerating your earnings with our rewards card Learn More about our cash back card Learn More about our Smart Option card
Best if you want Points toward rewards 50% more points Unlimited cash back1 A steady, low rate
APR2 on Purchases 12.49% - 23.49% variable APR 12.49% - 23.49% variable APR 12.49% - 23.49% variable APR 9.49% - 20.49% variable APR
Balance Transfers3 0% introductory APR for first 12 months on balance transfers, then 12.49% - 23.49% variable APR 0% introductory APR for first 12 months on balance transfers, then 12.49% - 23.49% variable APR 0% introductory APR for first 12 months on balance transfers, then 12.49% - 23.49% variable APR 0% introductory APR for first 12 months on balance transfers, then 9.49% - 20.49% variable APR
Visa Signature Benefits Eligible5 Yes Yes Yes   Not Available
Earn Rewards on Qualified Purchases4 1 point for every $1 spent 1.5 points for every $1 spent 1% cash back for every $1   Not Available
Annual Rewards Program Fee6 $0 $50 or 5,000 points $0   Not Available

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