THE CARDTUNED DATABASE
First Citizens Rewards Card
Issuer: First Citizens Bank · Network: Visa
3 points per $1 on gas and select streaming; 2 points on grocery and drugstores; 1 point elsewhere
- 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
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Gas & Streaming | 3 points | per $1 on gas and select streaming |
| Groceries & Drugstores | 2 points | on grocery and drugstores |
| Eligible purchases | 1 point | elsewhere |
Additional benefits
• 0% balance-transfer APR for 12 months
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%. Merchant coding controls bonus categories; cash-like transactions and fees do not earn rewards. Foreign transactions cost 3%.
Who can apply
First Citizens eligibility and underwriting apply.
Credit profile: Not Public / issuer underwriting applies