First Citizens credit card
First Citizens Credit Card
A First Citizens credit card can earn cash back, points, or a lower rate. Offers change, so read the current box on firstcitizens.com before you apply.
| Card | Best for | Noted feature |
|---|---|---|
| Cash Rewards | Simple cash back | 1.5% unlimited cash back on qualifying purchases, no annual fee |
| Rewards | Gas and groceries | 3 points on gas and select streaming, 2 on groceries and drugstores, no annual fee |
| Secured Cash Back | Building credit | 1% cash back and a monthly FICO score inside digital banking |
| Smart Option | A lower rate | Intro APR on balance transfers, then a variable rate. No annual fee |
| Travel Rewards | Trips | Extra points on travel and dining. Annual fee, waived the first year |
Cash-back rewards can come back as a statement credit or as a deposit to a First Citizens checking or savings account. Pay the card inside online banking after you sign in.
Current rates, fees, and bonus rules are only on the bank's card page.
Match the card to spending
Everyday gas and groceries point to the Rewards card. Flat cash back points to Cash Rewards. Travel points to Travel Rewards if the annual fee fits the trips you take.