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 Smart Option® Visa® Card

First Citizens Smart Option® Visa® Card
  • Regular Purchase APR 9.99% to 18.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.99% to 18.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 21.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • First Citizens Bank’s lowest APR
  • 0% introductory rate on balance transfers for 12 months
Rates & Fees
  • Regular Purchase APR: 9.99% to 18.99% 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: 9.99% to 18.99% 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: 21.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% 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
Credit Card Deals

First Citizens Rewards® Visa® with Unlimited Cash Back

First Citizens Rewards® Visa® with Unlimited Cash Back
  • Regular Purchase APR 12.99% to 21.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.99% to 21.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 21.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee none
  • Credit Needed Good , Fair
  • Processing Network Visa
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 12.99% to 21.99% 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: 12.99% to 21.99% 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: 21.99% to 24.99% 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: none
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $25
Credit Card Deals

First Citizens Rewards® Visa® Accelerate Your Earnings

First Citizens Rewards® Visa® Accelerate Your Earnings
  • Regular Purchase APR 10.99% to 21.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.99% to 21.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 21.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Visa
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 10.99% to 21.99% 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: 10.99% to 21.99% 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: 21.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $25
  • Return Payment Penalty Fee: $25
  • Over Limit Penalty Fee: $0
Credit Card Deals

First Citizens Rewards® Visa® with No Annual Fee

First Citizens Rewards® Visa® with No Annual Fee
  • Regular Purchase APR 10.99% to 21.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.99% to 21.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 21.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Visa
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 10.99% to 21.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months on transfers made within 90 days from account opening date
  • Balance Transfer APR: 10.99% to 21.99% 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: 21.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $25
  • Return Payment Penalty Fee: $25
Credit Card Deals

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.

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