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
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.
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.
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.
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
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.
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!
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
Application for the BOOST Platinum Card
The application process for the Boost Platinum Card is easy, and you won't have to worry about credit checks!
Keep Reading
What are student loans: a 101 guide to finance your studies
Read on to find out what are student loans, the different types available and what you can do if you're struggling to make payments.
Keep Reading
0% intro APR: U.S. Bank Visa® Platinum Card review
Need a credit card with a $0 annual fee? Check out our thorough U.S. Bank Visa® Platinum Card review and see if it's your right choice!
Keep ReadingYou may also like
SoFi Student Loans Review: No Fees at All!
Looking for a no-fee student loan to finance your education? Check out our review of SoFi student loans - pay no fees! Read on!
Keep Reading
Federal Pell Grant: see how to apply
Find out if you're eligible to apply for the Federal Pell Grant. Ensure up to $7,395 to cover educational costs!
Keep Reading
Earn cash back: Apply for the PayPal Debit Card
Discover the easiest way to apply for the PayPal Debit Card online - no monthly fee and convenient banking experience! Keep reading!
Keep Reading