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!

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Craving cash back without the cost? First Citizens Bank’s Cash Rewards Credit Card delivers 1.5% back on every purchase

First Citizens Bank Cash Rewards Credit Card
First Citizens Bank Cash Rewards Card Review: $0 annual fee. Source: First Citizens Bank

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.

First Citizens Bank Cash Rewards Credit Card

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.

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.

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.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Penalty Fees

  • Late Payment: Up to $39;
  • Over-the-Credit Limit: $0;
  • Return Payment: $25 for return payment.

Other features

First Citizens Bank Cash Rewards Credit Card
Craving cash back without the cost? First Citizens Bank’s Cash Rewards Credit Card delivers 1.5% back on every purchase. Source: First Citizens Bank

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!

First Citizens Bank Cash Rewards Credit Card

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!

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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