Advertiser Disclosure Editorial Disclosure

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.

Sort By Column Name:

Showing 4 Cards

Date Reviewed: January 14, 2020

First Citizens Smart Option® Visa® Card

First Citizens Smart Option® Visa® Card
  • Regular Purchase APR 9.49% to 20.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.49% to 20.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.49% to 26.49% 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: 9.49% to 20.49% 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: 9.49% to 20.49% 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: 23.49% to 26.49% 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

Date Reviewed: January 14, 2020

First Citizens Rewards® Visa® with Unlimited Cash Back

First Citizens Rewards® Visa® with Unlimited Cash Back
  • Regular Purchase APR 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.49% to 26.49% variable based on creditworthiness and the Prime Rate
  • Annual Fee none
  • Credit Needed Good , Fair
  • Intro Purchase APR N/a
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Earn 1% 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
  • Intro Purchase APR: N/a
  • Regular Purchase APR: 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for six months on transfers made within 90 days from account opening date
  • Balance Transfer APR: 12.49% to 23.49% 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: 23.49% to 26.49% 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
  • Annual Fee: none
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $25
  • Return Payment Penalty Fee: $25

Date Reviewed: January 14, 2020

First Citizens Rewards® Visa® Accelerate Your Earnings

First Citizens Rewards® Visa® Accelerate Your Earnings
  • Regular Purchase APR 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.49% to 26.49% 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: 12.49% to 23.49% 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: 12.49% to 23.49% 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: 23.49% to 26.49% 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

Date Reviewed: January 14, 2020

First Citizens Rewards® Visa® with No Annual Fee

First Citizens Rewards® Visa® with No Annual Fee
  • Regular Purchase APR 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.49% to 26.49% 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: 12.49% to 23.49% 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: 12.49% to 23.49% 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: 23.49% to 26.49% 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

Add cards to start comparing.