Credit Cards

First Citizens Bank Rewards Credit Card Review: 0% intro APR

First Citizens Bank Rewards Credit Card: Should it be your next card? It boasts no annual fee and rewards on everyday spending. We break it down in our post. Read on!

Advertisement

Earn points on gas, groceries, and more -Redeem them your way

First Citizens Bank Rewards Credit Card
First Citizens Bank Rewards Credit Card Review: 0% intro APR. Source: First Citizens Bank

Are you looking for the perfect everyday card? So, explore the First Citizens Bank Rewards Credit Card in our review to see if it meets your needs.

First Citizens Bank Rewards Credit Card

Apply First Citizens Bank Rewards Credit Card

Need a guide to apply for the First Citizens Bank Rewards Credit Card? Here you go! Earn rewards and enjoy 0% intro APR on balance transfers!

We’ll show you everything, from points to cons, so you can learn more about it and decide whether this card should be in your wallet. Stay tuned!

  • Credit Score: Good-Excellent; 
  • Annual Fee: No annual fee;
  • Purchase APR: 18.24% – 27.24% (variable);
  • Cash Advance APR: 27.24% – 30.24%;
  • Welcome Bonus: 0% intro APR on balance transfers for the first 12 months;
  • Rewards: Earn 3 points on gas and streaming services, 2 points on groceries and drugstores, and 1 point on everyday purchases.

Advertisement

First Citizens Bank Rewards Credit Card: how does it work?

Get rewarded for spending what you already do! The First Citizens Bank Rewards Card offers points on groceries, gas, and more, all while saving you money with no annual fee.

Rewards

First Citizens Bank Rewards Credit Card rewards are in points. So, cardholders will maximize them when buying everyday goods.

  • 3 points on gas as well as streaming;
  • 2 points on groceries as well as drugstores;
  • 1 point on everyday purchases.

You can redeem these points for many things, such as cash back, gift cards, and merchandise.

Advertisement

Intro Offer

Another selling point of this card is the 0% intro APR on balance transfers for 12 months.

This feature lets you transfer high-interest debt to this card and avoid interest payments for a year.

Then, you can save money and pay off your balance more quickly.

However, other rewards cards in the same category offer a longer period, up to 18 months.

Other features

First Citizens Bank Rewards Credit Card
Earn points on gas, groceries, and more -Redeem them your way. Source: First Citizens Bank

Here is a list of features that all credit cards from the First Citizens Bank share:

  • Cell phone protection;
  • Porch piracy protection;
  • Roadside assistance;
  • Identity protection;
  • Credit card monitoring;
  • Fraud protection.

Also, cardholders can enjoy special deals on dining, entertainment, shopping, and much more from Visa.

Still, as a Visa Signature cardholder, you can also enjoy:

  • Rideshare protection;
  • Trip delay reimbursement;
  • Auto rental collision damage;
  • Travel & emergency assistance services.

Advertisement

First Citizens Bank Rewards Credit Card: should you get one?

Like the First Citizens Bank Rewards Credit Card, many other reward credit cards in the market also focus on everyday spending.

So, before you decide to add this product to your wallet, weigh the pros and cons below.

Pros

  • 0% intro offer on balance transfers for 12 months;
  • No annual fee;
  • Rewards on everyday spending;
  • Reports credit to Experia, Equifax, and TransUnion;
  • Visa Signature perks;
  • Identity, cell phone, and fraud protection.

Cons

  • High APR on purchases;
  • Foreign Transaction fee;
  • Not every purchase points.

Credit score required

If you are considering getting the First Citizens Bank Rewards Credit Card, then you must review your score first.

This reward card is not available for everyone but only for those with good credit and beyond.

First Citizens Bank Rewards Credit Card application: how to do it?

Ready to maximize your points on everyday purchases with the First Citizens Bank Rewards Credit Card? Then read our post below to learn how to apply!

First Citizens Bank Rewards Credit Card

Apply First Citizens Bank Rewards Credit Card

Need a guide to apply for the First Citizens Bank Rewards Credit Card? Here you go! Earn rewards and enjoy 0% intro APR on balance transfers!

Trending Topics

content

Cheap flights on Momondo: find flights from $100!

Find Momondo cheap flights, locate the best deal on airline tickets, and save big on your upcoming trip. Find out more!

Keep Reading
content

Where Zero Means More: Navy Federal Platinum Card Review

Discover how to take advantage of an intro APR for transfers in this Navy Federal Platinum Credit Card review. Learn more!

Keep Reading
content

How to buy cheap Southwest Airlines flights

Get the scoop on how you buy cheap Southwest Airlines the next time you travel. Find where to look and how to save your cash. Read on!

Keep Reading

You may also like

content

Apply for SimpleLoans123: Fast-track Approval

Unlock financial freedom! Apply for the SimpleLoans123 in just 3 steps with our easy-to-follow guide. Read on!

Keep Reading
content

Western Union® Netspend® Prepaid Mastercard®: apply today

Simplify your financial management with the Western Union® Netspend® Prepaid Mastercard® - Apply now and enjoy the conveniences.

Keep Reading
content

Reseña de Destiny Mastercard®: ¿vale la pena?

¿Qué tal un límite de crédito de $700 sin necesidad de un depósito? Puedes obtenerlo con una Destiny Mastercard®. Te lo contaremos todo.

Keep Reading