THE CARDTUNED DATABASE
First Citizens Travel Rewards Card
Issuer: First Citizens Bank · Network: Visa
3 points per $1 on travel; 2 points on dining; 1.5 points elsewhere
- Annual fee
- $95
- Foreign transaction fee
- 0%
- 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 |
|---|---|---|
| Travel | 3 points | per $1 on travel |
| Dining | 2 points | on dining |
| Eligible purchases | 1.5 points | elsewhere |
Additional benefits
• $100 annual ancillary travel credit
• 0% balance-transfer APR for 12 months
Restrictions to know
The $95 annual fee is waived only for the first year. 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 category rewards. A $5,000 minimum credit line is required for Visa Signature eligibility.
Who can apply
First Citizens eligibility and underwriting apply.
Credit profile: Not Public / issuer underwriting applies