First Citizens Bank Credit Cards

First Citizens Bank is a commercial bank based in Raleigh, North Carolina. It currently has over 500 branches throughout the United States. This financial institution believes in finding long-term solutions for its members’ financial goals. As such, First Citizens prides itself on facilitating smart economic decisions to encourage growth. Browse credit cards below.

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First Citizens Cash Rewards Visa®

First Citizens Cash Rewards Visa®
Visit Card Site Terms & Conditions
Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair
Visa Processing Network
$0 Annual Fee

First Citizens Cash Rewards Visa®

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  • 17.99% to 26.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 17.99% to 26.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 26.99% to 29.99% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The First Citizens Cash Rewards Visa® offers cardholders a flat 1.5% cash back on all qualifying purchases. There is no limit to how much cash back you can earn, and this card adds your cash back rewards daily to your account. New cardholders can also take advantage of 0% interest over 12 months on balance transfers.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 1.5% cash back on every $1 you spend
  • Unlimited cash back potential
  • 0% introductory APR for 12 months on balance transfers made within 90 days from account opening date
  • Regular Purchase APR: 17.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
  • Balance Transfer APR: 17.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $0
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $25
  • You don’t want to pay an annual fee
  • You would like to earn 1.5% cash back on your purchases
  • You want to take advantage of 0% APR on balance transfers for 12 months
  • You want the option of redeeming rewards as cash deposits or statement credits
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First Citizens Rewards® Visa® with No Annual Fee

First Citizens Rewards® Visa® with No Annual Fee
Visit Card Site Terms & Conditions
Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair
Visa Processing Network
None Annual Fee

First Citizens Rewards® Visa® with No Annual Fee

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  • 17.99% to 26.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 17.99% to 26.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 26.99% to 29.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 1 point for every $1 you spend
  • Points added to your account daily
  • 0% introductory APR for 12 months on balance transfers made within 90 days from account opening
  • Regular Purchase APR: 17.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
  • Balance Transfer APR: 17.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $25
  • N/A
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First Citizens Smart Option® Visa® Card

First Citizens Smart Option® Visa® Card
Visit Card Site Terms & Conditions
Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair
Visa Processing Network
None Annual Fee

First Citizens Smart Option® Visa® Card

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  • 14.99% to 23.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.99% to 23.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 26.99% to 29.99% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The First Citizens Smart Option® Visa® Card features this bank’s lowest APR for personal credit cards. Cardholders also are free from having to pay an annual fee. What’s more, new cardholders can take advantage of 0% APR on balance transfers for 12 months from the date that they open an account.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • First Citizens Bank’s lowest APR
  • 0% introductory rate on balance transfers for 12 months
  • Regular Purchase APR: 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months for purchases made within 90 days from account opening date
  • Balance Transfer APR: 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $25
  • You want a basic credit card
  • You prefer having a lower APR than having extra perks
  • You don’t want to pay an annual fee
  • You want to transfer a balance and plan to pay it off in 12 months
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First Citizens Rewards® Visa® Accelerate Your Earnings

First Citizens Rewards® Visa® Accelerate Your Earnings
Currently Unavailable Terms & Conditions
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
$0 for the first year. After that, $95 Annual Fee

First Citizens Rewards® Visa® Accelerate Your Earnings

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  • 17.99% to 26.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 17.99% to 26.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 26.99% to 29.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 1.5 points for every $1 you spend
  • Earn 2,500 bonus points when you sign up
  • 0% introductory APR for 12 months on balance transfers made within first 90 days
  • Regular Purchase APR: 17.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
  • Balance Transfer APR: 17.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $0 for the first year. After that, $95
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $25
  • Over Limit Penalty Fee: $0
  • N/A
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About First Citizens Bank

First Citizens Bank of South Carolina is a South Carolina-based bank that is based in Columbia, South Carolina. The bank is the largest U.S. bank that is controlled by a single family – the Holding family. The bank is a subsidiary of First Citizens Bancshares, a Raleigh, North Carolina holding company.

First Citizens Bank is one of the largest banks in the United States, with over $35 billion in total assets as of 2019. The bank offers a full array of banking services and products for consumers and businesses. These products include loans, checking and savings accounts, credit cards, and business financing.

The bank currently operates in 19 U.S. states and the District of Columbia, with most of its locations in the American Southeast.

Branch Locations

First Citizens Bank currently operates over 1,150 branches and ATMs across 19 U.S. states. Most of the bank’s locations, including ATMs, are found in the Southeast – particularly in North Carolina, South Carolina, Virginia, Florida, and Georgia.

The bank also has locations in the following other U.S. states:

  • Arizona
  • California
  • Colorado
  • Kansas
  • Maryland
  • Missouri
  • New Mexico
  • Oklahoma
  • Oregon
  • Tennessee
  • Texas
  • Washington
  • West Virginia
  • Wisconsin

For a complete listing of First Citizens Bank branch locations, please visit the bank’s dedicated locations page.

FAQs About First Citizens Bank

Here are frequently asked questions about First Citizens Bank:

  • The routing number will change depending on the state in which you have your First Citizens Bank account. For a complete list of current routing numbers, please visit this link.
  • First Citizens Bank is a South Carolina bank with locations across the country, but especially in the Southeast. Citizens Bank is a Rhode Island-based bank with locations across the Northeast.
  • The current CEO is Frank B. Holding, Jr.
  • The toll-free number for customer service is 1 (888) 323-4732.

Find the Best Card for You

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