Rewards Credit Card

Earn more points every day with the Rewards credit card

Earn points on everyday essentials

Now here's the points rewards credit card you'll always want in your wallet. With a First Citizens Rewards credit card, you'll earn more points on regular everyday purchases.

Enjoy a variety of rewards with a Visa Rewards credit card from First Citizens Bank

Earn rewards everywhere

Get even more credit card points on groceries, gas and streaming services.D

Enjoy more protection

Credit card benefits make purchasing safer, quicker and more convenient.

Get an introductory offer

Consolidate debt with 0% intro APRD on balance transfers for the first 12 months.D

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Earn rewards points

A competitive rate, a variety of rewards

Choose your credit card rewards from a range of redemption options, including cash backD, gift cards and merchandise.

  • Earn pointsD for every $1 you spend. Earn 3 points on gas, 2 points on streaming services, groceries and drugstores, and 1 point on other everyday purchasesD
  • Credit card points are posted to your account daily
  • Use points to get reimbursed for travel you book on your own terms or a recent purchase with our exclusive Pay Me Back® redemption optionD
  • Enjoy no annual fee with this points card
Rewards Card Information

Card details and transaction fees

Balance transfers

0% introductory APRD for first 12 monthsD on balance transfers, then variable purchase rate of 17.74% to 26.74% based on creditworthiness applies.

Maximize your rewards

Automatically earn more points every day when you use your card for gas, groceries, drugstores and streaming services.

No annual fee

Enjoy all this point reward credit 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 credit card points

Use this credit card rewards calculator to pick the best First Citizens card for you. See how quickly your points rewards add up, just for making everyday purchases.

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
FAQ

People often ask us

Credit card points are incentives that you receive through the program your point reward credit card offers. Rewards point programs come with many ways to earn and redeem rewards. For example, many popular point reward credit card programs allow points to be redeemed for cash back, statement credits, travel rewards and more.

With your Rewards credit card, you'll automatically earn points when you use your card to make purchases, with bonus points for spending in categories like gas. Points you earn will be posted to your account daily. You can save up your points or redeem them for your choice of rewards.

With your Rewards credit card, you can redeem your points several ways.

You can choose cash back in the form of a statement credit or as a deposit into your First Citizens checking or savings account. If you prefer, you can use points to pay for a recent purchase made on your credit card account with Pay Me Back. You can also use your credit card points to pay down your First Citizens loan or mortgage with Pay My Loan.

Plus, you can use your credit card rewards to donate to Teen Cancer America or redeem them for gift cards or merchandise. When you're ready to redeem your points, just log in to Digital Banking to access your account, then select Rewards Balance from the menu.

You can learn more about credit card rewards point values by visiting Credit Card Rewards and selecting See Examples.

With the Rewards credit card, you can earn up to 10,000 points per month. Credit card point rewards expire 3 years from the original month earned. For example, points earned in March of 2024 will expire in March of 2027.

Making the most of a point reward credit card program depends on your shopping and spending habits. If you find yourself frequently spending money in a single category, for example groceries or gas, you might be able to add up the rewards. When planning a big purchase, like appliances, the extra incentive of credit card points can be attractive. Credit card points may be more convenient while booking travel or experiences, making them appealing to frequent fliers.

Insights

A few financial insights for your life

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Learn all about annual percentage rates, or APRs, and understand how they differ from interest rates.
Position yourself to get the best APR rate for your finances.

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 September 30, 2024, is 8.00% 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.

Cash back rewards can be redeemed as a statement credit or as a deposit into your First Citizens checking or savings account.

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.

Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.

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.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

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