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
You’ll receive messages for less than 1 week, with a maximum of 1 message per day. You can unsubscribe anytime by replying STOP. By submitting this form, I confirm that I am 18+ years old and agree to the Privacy Policy and Terms and Conditions. I also provide my signature, giving express consent to receive informational messages via automated emails, SMS, MMS text messages, and other forms of communication. Message frequency may vary as part of our good-faith effort to respond to your inquiry. Message and data rates may apply. Text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and that 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
Intro APR: Apply for the Capital One VentureOne Rewards Card
Don't waste time searching for ways to apply for the Capital One VentureOne Rewards Credit Card. Earn unlimited miles on purchases!
Keep ReadingWalmart MoneyCard® application: how does it work?
Learn how the Walmart MoneyCard® application process works and how you can earn cash back on all of your Walmart purchases!
Keep ReadingChase Total Checking® application: how does it work?
Ready to take control of your financial future? Open a Chase Total Checking® — Find out how to do it here! No hidden fees and several perks.
Keep ReadingYou may also like
Self Visa® Credit Card review: start building credit today!
Looking for a credit card to help you build your credit history? Check out our Self Visa® Credit Card review. Qualify with poor credit!
Keep ReadingHow to request US Bank Altitude® Go Visa Signature® Card
See how to apply for the US Bank Altitude® Go Visa Signature® credit card today and enjoy cash back, lower rates, rewards, and more!
Keep ReadingCheap flights on Priceline: save up to 50%
Looking for ways to save money when booking flights? Discover Priceline cheap flights with these tips to help you get great deals. Read on!
Keep Reading