Credit Cards

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We Recommend
Account type First Citizens Rewards® Smart Option®
Account type
We Recommend the First Citizens Rewards® Visa Card with the option to
Earn Rewards
We Recommend the First Citizens Rewards® Visa Card with the option to
Accelerate Your Earnings
We Recommend the First Citizens Rewards® Visa Card with the option to
Get Unlimited Cash Back
We Recommend the First Citizens Smart Option® Visa Card which has the
Lowest APR
Account type
Best if you want Free rewards and a competitive rate. Accelerated rewards earnings and a competitive rate. Cash back rewards with no cap redeemable as a statement credit or direct deposit Our lowest available interest rate.
Annual Fee $0 $0 $0 $0
Annual Percentage Rate (APR)1 on purchases 12.99% - 23.99% variable APR 12.99% - 23.99% variable APR 12.99% - 23.99% variable APR 9.99% - 20.99% variable APR
Introductory Offer2 0% introductory APR for first 12 months on balance transfers, then 12.99% - 23.99% variable APR 0% introductory APR for first 12 months on balance transfers, then 12.99% - 23.99% variable APR 0% introductory APR for first 12 months on balance transfers, then 12.99% - 23.99% variable APR 0% introductory APR for first 12 months on balance transfers, then 9.99% - 20.99% variable APR
Earn Rewards, Opens in a new tab 1 point for every $1 spent on qualifying purchases3 1.5 points for every $1 spent on qualifying purchases3 Earn 1% cash back for every $1 spent on qualified purchases3   Not Available
Rewards Program Fee4 $0 For a limited time only: $0 introductory annual rewards fee for the 1st year, then $504 $0   Not Available
Secure account access via Digital Banking, Opens in a new tab Yes Yes Yes Yes
Eligible for Visa Signature benefits Yes Yes Yes   Not Available
Guaranteed fraud protection5 Yes Yes Yes Yes
Secure online shopping with Visa Checkout6, Opens in a new tab Yes Yes Yes Yes
Cell phone protection7, Opens in a new tab when you pay your monthly cell phone bill with your card Yes Yes Yes Yes
 
         

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