First-Citizens Bank & Trust Company Rewards Consumer Credit Card

State-by-state

Availability

To apply, you must live in Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennesse, Texas, Virginia, Washington, West Virginia, and Wisconsin

Eligibility requirements

State specific

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

firstcitizens.com

Phone

(800) 543-9000

Did you know: This card is from a small bank, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

18.24% – 27.24%*

*As of Jun. 30, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	24.24%	2 dollar sign symbols Pay average interest
720+	20.24%	2 dollar sign symbols Pay average interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: 3% of each transaction in U.S. dollars
Minimum finance charge: A minimum interest payment of $1 is required to avoid additional fees
Grace period: 21 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $28 for the first late payment and $39 for a late payment within six billing cycles of another late payment
Over-limit fee: None
Return Payment Fee: $25 (If a payment is returned)

Rewards and perks

Other

Other rewards: Rewards card that allows for travel-related redemptions as well as cash-related redemptions.

Services

Access to Free Credit Scores
Cell phone protection Porch piracy protection Roadside assistance Identity protection Visa credit monitoring If a client is in the Visa Signature Rewards product, they also receive ride share protection, trip delay reimbursement, auto rental collision dam

Card features

Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

18.24% – 27.24%*

+

Variable

Balance transfer fee details: Either $5 or 3% of the amount of each transfer, whichever is greater.

*As of Jun. 30, 2024. Advertised balance transfer APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical balance transfer APRs for different credit scores for this card:

Credit score	Median balance transfer APR
620-719	24.99%
720+	20.49%

After 12 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

27.24% – 30.24%*

+

Variable

Cash advance fee details: Either $10 or 5% of the amount of each cash advance, whichever is greater.

*As of Jun. 30, 2024. Advertised cash advance APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical cash advance APRs for different credit scores for this card:

Credit score	Median cash advance APR
620-719	30.24%
720+	27.24%

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.