Credit Cards (US)

First Citizens Bank Rewards Review: Ideal Perks!

Earn points on daily essentials, enjoy a 0% intro APR on balance transfers, and choose from cash back, gift cards, or merchandise with the First Citizens Bank Rewards. Learn more!

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Take advantage of a 0% intro APR and enjoy a range of redemption options!

First Citizens Bank Rewards Credit Card
First Citizens Bank Rewards Review: Ideal Perks! Source: First Citizens Bank

Learn how to turn your spending into rewards in this First Citizens Bank Rewards Card review. So, keep reading and discover a credit card that fits your lifestyle!

card

First Citizens Bank Card

Rewards

Rewards $0 annual fee

0% intro APR for 12 months on balance transfers – earn points per $1 spent!

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If you’re looking to maximize your everyday purchases, the First Citizens Bank Rewards Card might be the right fit for your lifestyle. Get ready to learn how to make your card work for you!

  • Credit Score: FICO score of 670+.
  • Annual Fee: $0.
  • Intro offer: If you want to consolidate debt and save on interest, know this credit card comes with 0% APR on balance transfers. But it’s only within the first 12 months of use.
  • Rewards: Besides a variety of redemption options, this card comes with an incredible Rewards Program for everyday spending. If you like streaming services, prepare to get 4x points. Moreover, gas stations also give you 4x points. Plus, you get 2x points when doing your everyday groceries or buying at drugstores. Finally, all other purchases give you 1x point.
  • APR: 18.24% to 27.24% variable.
  • Other Fees: There’s a foreign transaction fee of 3% associated with this card.

First Citizens Bank Rewards: What can you expect?

Whether you’re fueling up, stocking your pantry, or indulging in streaming services, this review will show that the First Citizens Bank Rewards Card can be the best option for your everyday purchases.

Firstly, this card gives you 3x points when putting gas in your car. Like streaming services? Then you can also get 3x points on those! Moreover, you get double the points on groceries and drugstores.

Finally, this card also gives you 1x point on all other purchases. And all that comes with the absence of an annual fee. This offers a cost-effective solution for a rewarding credit card experience.

Looking for an introductory offer that sets the tone for smart financial management? Then enjoy 0% intro APR on balance transfers! This lasts for the first 12 months of use.

This feature allows you to consolidate debt and save on interest, providing a practical solution for those looking to streamline their finances.

What sets the First Citizens Bank Rewards Card apart is not just its rewards structure but also the diverse redemption options available. You can redeem your points for cash back, merchandise, and more!

Plus, users also enjoy the convenience of contactless payments, text and email alerts, and simplify their financial routine by automating bill payments through Digital Banking.

Do the pros outweigh the cons?

First Citizens Bank Rewards Credit Card
Take advantage of a 0% intro APR and enjoy a range of redemption options! Source: First Citizens Bank

In order to fully explore the First Citizens Bank Rewards Card, it’s important to review its advantages and weigh the drawbacks before you decide to apply.

Whether you’re considering this card for its 0% introductory APR or weighing the impact of foreign transaction fees, discover a strategic analysis below.

Pros

  • Access its benefits without any additional costs of annual fees;
  • Take advantage of the 0% introductory APR;
  • Dynamic Rewards Program;
  • Real-time alerts and automation for secure transactions;
  • Utilize points for travel reimbursement.

Cons

  • This card charges a foreign transaction fee;
  • Late payments may incur fees;
  • Limited bonus categories.

What are the eligibility requirements?

So, to be eligible for the First Citizens Bank Rewards Card, aspiring cardholders should ideally possess a good to excellent credit score.

Moreover, applicants should be at least 18 years old and have a valid Social Security number.

Learn how to get the First Citizens Bank Rewards

First Citizens Bank Rewards Credit Card
Learn how to get the First Citizens Bank Rewards. Source: First Citizens Bank

Curious about how to bring this credit card to your wallet? Then, review a seamless step-by-step on how to apply for the First Citizens Bank Rewards Card and start making the most out of your daily purchases.

Apply online

From navigating eligibility requirements to submitting your application, check out how to apply for this credit card in a few easy steps!

  • Visit the First Citizens Bank website: Begin by accessing the official website. Then, find the “Personal” option on the menu and click on it. Next, select “Credit Card” and find the First Citizens Bank Rewards Card to review the terms and conditions.
  • Click to apply: When you’re done, click on “Apply Now”. Then, fill out the online application form with accurate and up-to-date information.
  • Submit your application: Ensure all information is entered correctly to expedite the approval process. Once you’re done, click to submit the online form.
  • Await approval: You may receive an instant decision, or the bank may need additional time to process your request. If approved, the First Citizens Bank Rewards Card will be sent to your registered address.
card

First Citizens Bank Card

Rewards

Rewards $0 annual fee

0% intro APR for 12 months on balance transfers – earn points per $1 spent!

You will be redirected to another website

What about a similar credit card? Check out the Pelican Pledge Visa Card!

However, if you think the First Citizens Bank Rewards Card isn’t the right fit for your wallet, explore a distinctive approach to credit card with the Pelican Pledge Visa Card. Earn rewards with responsible usage!

With this card, you can enjoy points on your everyday purchases and relish the simplicity of redeeming them for travel, merchandise, or even charitable donations.

Choose a card that resonates with both your financial goals and values!

Pelican Pledge Visa Card

Pelican Pledge Visa Card Review: Build Your Credit

Discover a smart way to build your credit while using your savings as collateral in this Pelican Pledge Visa Card review!

About the author  /  Vinicius Barbosa

Vinicius Barbosa is a writer of finance-related content on this portal. Graduated in Social Communication, he writes about everything that involves the world of finances, from credit card recommendations to investment tips, for readers who want to make better decisions when it comes time to spend their money or invest wisely.

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