THE CARDTUNED DATABASE
First Citizens Cash Rewards Card
Issuer: First Citizens Bank · Network: Visa
Unlimited 1.5% cash back on eligible purchases
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- 0% balance-transfer APR for first 12 months
- Regular APR
- 16.49%–25.49% variable APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Earning rates
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| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 1.5% | Unlimited — cash back on eligible purchases |
Additional benefits
• Cash back can be used as statement credits
• 0% balance-transfer APR for 12 months
• Visa Signature eligibility and Visa benefits
• Mobile card controls and fraud protection
Restrictions to know
Balance transfers must occur within 90 days to receive 0% APR for 12 months and cost the greater of $5 or 3%. Cash-like transactions, fees, returns and credits do not earn rewards. After the intro period, 16.49%–25.49% variable APR applies; foreign transactions cost 3%.
Who can apply
First Citizens eligibility and underwriting apply.
Credit profile: Not Public / issuer underwriting applies