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!

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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.

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.

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.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

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!

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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