Credit Cards

Apply for First Citizens Bank Cash Rewards Card: Earn back

From application to activation: Discover the simplest form to apply for the First Citizens Bank Cash Rewards Credit Card here- eligibility- and a complete step-by-step guide to ease the process. Stay tuned!

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Cashback nirvana: This card is your one-stop shop for rewarding every purchase

First Citizens Bank Cash Rewards Credit Card
Apply for First Citizens Bank Cash Rewards Card: Earn back. Source: First Citizens Bank

Ready to unlock 1,5% cash back on all purchases? This guide is your A-Z roadmap to apply for your First Citizens Bank Cash Rewards Credit Card.

card

First Citizens Bank Card

Cash Rewards

$0 annual fee Quick and Easy

Earn 1.5% cash back per $1 spent – 0% intro APR on balance transfers!

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We’ll walk you through every step, from eligibility requirements to application submission. Keep reading!

Apply online

Do you often get confused by point systems and rotating categories? Then, the First Citizens Bank Cash Rewards Credit Card is your key to plain rewards.

Earn 1.5% cash back on everything you buy, from groceries to getaways.

So, dive into our A-Z guide and learn how to apply for your First Citizens Bank Cash Rewards Credit Card today.

Eligibility

This card is only available for people with First Citizens Bank accounts.

So, if you don’t have one yet, you can open an account first and then apply for the card.

Application Process

Once you have your account, then you can head to the First Citizens Bank website and find the credit card page.

Then, you will log in to your existing customer account and locate the  First Citizens Bank Cash Rewards Credit Card.

Also, carefully fill out the form with your personal information and financial details.

Finally, don’t forget to review the terms and conditions thoroughly before submitting.

Reviewing Your Application

First Citizens Bank Cash Rewards Credit Card
Cashback nirvana: This card is your one-stop shop for rewarding every purchase. Source: First Citizens Bank

After you apply for a loan, it takes time for the bank to review your application.

During this process, the bank will check your financial history and determine if you are approved.

Multiple personalized credit card offers

Applying won't hurt your credit score

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Approval and Card Delivery

If approved, then your First Citizens Bank Cash Rewards Credit Card will arrive in the mail within 7-10 business days.

Apply using the app

If you want a credit card, then you’ll need to visit their website to apply.

Once you have the card, you can effortlessly track your transactions and payments through the First Citizens Digital Banking app.

First Citizens Bank Cash Rewards Credit Card vs. First Citizens Bank Smart Option Credit Card

Consider First Citizens Bank’s Cash Rewards Credit Card for 1.5% cash back on all purchases or the Smart Option Credit Card for a zero introductory rate on balance transfers and purchases.

Choose based on your financial goals and spending habits.

First Citizens Bank Cash Rewards Credit Card

  • Credit Score: 670-850;
  • Annual Fee: $0;
  • Purchase APR: 18.24% to 27.24% ( variable);
  • Cash Advance APR: 27.24% to 30.24% ( variable);
  • Welcome Bonus: 0% intro APR on balance transfers during the first 12 months of the account;
  • Rewards: 1.5% cash back per $1 on all purchases.

First Citizens Bank Smart Option Credit Card

  • Credit Score: Fair- Excellent;
  • Annual Fee: No annual fee;
  • Purchase APR: 15.24% to 24.24% (variable);
  • Cash Advance APR: 27.24% to 30.24%(variable);
  • Welcome Bonus: O% intro APR on balance transfers for the first 12 months of account;
  • Rewards: N/A.

Learn how to apply for the First Citizens Bank Smart Option Credit Card in our upcoming post. Read on!

First Citizens Bank Smart Option Credit Card

Apply for the First Citizens Bank Smart Option

Apply for the First Citizens Bank Smart Option Credit Card easily? Keep reading for all the details you need to know! $0 annual fee!

About the author  /  Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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