Credit Cards
First Citizens Bank Cash Rewards Card Review: $0 annual fee
Do you need a credit card to transfer your balance with rewards? Check out our honest review of the First Citizens Bank Cash Rewards Credit Card to learn about its 0% intro APR period, fees, and perks. Stay tuned!
Advertisement
Craving cash back without the cost? First Citizens Bank’s Cash Rewards Credit Card delivers 1.5% back on every purchase
How to enjoy instant daily cash-back deposits and a sweet 0% intro APR on balance transfers for a year? With the First Citizens Bank Cash Rewards Credit Card, the product in this review.
Apply for First Citizens Bank Cash Rewards Card
Earn 1.5% on every swipe! Learn how to apply for the First Citizens Bank Cash Rewards Credit Card now and secure cash back on all purchases!
This plain credit card offers a hassle-free experience, with 1.5% cash back on purchases. So keep reading to understand how it works, its advantages, and its pitfalls.
- 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 dollar on all purchases.
You will be redirected to another website
By submitting this form, I agree that I am 18+ years old and I agree to the Privacy Policy and Terms and Conditions. I also provide my signature giving express consent to receive marketing communications via automated emails, SMS or MMS text messages and other forms of communication regarding financial products such as credit card and loans. Message frequency varies and represents our good faith effort to reach you regarding your inquiry. Message and data rates may apply. Text HELP for help or text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time.
Advertisement
First Citizens Bank Cash Rewards Credit Card: how does it work?
With the First Citizens Bank Cash Rewards Credit Card, you’ll earn 1.5% unlimited cash back on all purchases while paying an annual fee.
Also, the cashback is deposited daily to your account.
Besides, this credit card is good for those who need transfer balances, as it offers 12 months off APR on balance transfers.
Other redemption options
If you want to explore other redemption options, then you can redeem for a cash deposit or a statement credit.
Advertisement
Fees
As mentioned above, the First Citizens Bank Cash Rewards Credit Card has no annual fee. However, there are other fees you might want to know about.
Transaction Fees
- Balance Transfer: $5 or 3% of the balance transfer amount;
- Cash Advance: $10 or 5% of the cash advance amount;
- Foreign Transaction: 3% of the transaction in American dollars.
Advertisement
Penalty Fees
- Late Payment: Up to $39;
- Over-the-Credit Limit: $0;
- Return Payment: $25 for return payment.
Other features
Also, as a First Citizen Bank customer, you’ll enjoy some perks such as:
- Cell phone protection;
- Porch piracy protection;
- Roadside assistance;
- Identity protection;
- Credit monitoring;
- Ridesideshare protection;
- Trip delay reimbursement;
- Auto rental collision damage;
- Travel and emergency assistance services.
First Citizens Bank Cash Rewards Credit Card: should you get one?
If you are looking for a plain credit card with cash back rewards, then the First Citizens Bank Cash Rewards Credit Card is a suitable option.
So, if you want to ensure that this is the credit card you are looking for, you can review the pros and cons of the First Citizens Bank Cash Rewards Credit Card pros and cons.
Pros
- No annual fee;
- 1.5% cash back on all purchases;
- 0% intro APR on balance transfers for 12 months;
- Visa Signature Perks;
- Cell phone protection.
Cons
- Foreign transaction fee;
- Exclusive to good credit.
Credit score required
Since the card brings a wide range of benefits, future cardholders must have good to excellent credit scores to apply for it!
First Citizens Bank Cash Rewards Credit Card application: how to do it?
Learn how to apply for this credit card now in our post below. So stay tuned!
Apply for First Citizens Bank Cash Rewards Card
Earn 1.5% on every swipe! Learn how to apply for the First Citizens Bank Cash Rewards Credit Card now and secure cash back on all purchases!
Trending Topics
Delta SkyMiles® Gold Business American Express Card application
Learn about the Delta SkyMiles® Gold Business American Express Card application. It's online and quick. Check it out!
Keep Reading
How to apply and get verified on the Buy On Trust Lending easily
No credit? No problem. Learn how to apply for a Buy On Trust account, get the brand name products you love, and pay for them over time.
Keep Reading
Capital One Quicksilver Cash Rewards Credit Card review: is it worth it?
Capital One Quicksilver Cash Rewards Credit Card stands out by offering lower interest rates, a strong sign-up bonus, and more!
Keep ReadingYou may also like
Discover effective apps to recover deleted photos: 9 top choices!
Discover the top 9 apps to recover deleted photos for Android and iOS. Get your precious photos back using reliable and user-friendly tools.
Keep Reading
Choose the right checking account for you
A checking account is necessary for your financial life. Learn about the different types of checking accounts and find the best one.
Keep Reading
GO2bank™ Secured Visa® Credit Card application: how does it work?
The GO2bank™ Secured Visa® Card is available for rebuilding your credit. Learn about the application requirements and how to apply online!
Keep Reading