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Card2/4 on file
✓ Annual fee checked
First Citizens Bank · Card

Rewards Credit Card

PointsNo Annual Fee

The Rewards Credit Card is a credit card from First Citizens Bank with an annual fee of $0. Here is what we hold on it, and what we do not.

Annual fee$0per yearChecked firstcitizens.com
Welcome offerNot confirmedNot published by the issuer where we checked ()
Apply on First Citizens BankCompare this card
Opens First Citizens Bank’s site

Bank with branches in: North Carolina (194), South Carolina (110), California (54), Virginia (34), Florida (27), Georgia (26), Texas (9), Wisconsin (7) and 15 more. Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Rewards Credit Card, exactly as recorded.

Annual fee
$0Checked firstcitizens.com
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
16.49%Checked firstcitizens.com
Income requirement
Not confirmed
Network
Not confirmed
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Rewards Credit Card. That may mean there isn’t one, or simply that we have not recorded it — First Citizens Bank’s own page is the place to check.

Not published by the issuer where we checked ()
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Rewards Credit Card. Rather than print a multiplier we cannot source, this stays blank until First Citizens Bank’s own terms give us one.

We couldn't verify this · check with the issuer
Next step

Ready to apply for the Rewards Credit Card?

You'll finish the application on First Citizens Bank's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens First Citizens Bank’s site
Questions

Questions about the Rewards Credit Card

How much is the Rewards Credit Card annual fee?

The Rewards Credit Card has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the Rewards Credit Card earn?

We could not verify the Rewards Credit Card's earn rates, so we do not print a multiplier. Check them on First Citizens Bank's own site.

What network is the Rewards Credit Card on?

We hold no card network on record for the Rewards Credit Card. The network determines where a card is accepted and which network-level benefits apply, so confirm it with First Citizens Bank before you apply.

Is the Rewards Credit Card available in United States?

Yes — the Rewards Credit Card is issued by First Citizens Bank and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Rewards Credit Card figures last checked?

We checked its annual fee in October 2026 and its purchase APR in October 2026, each against a published document. Not published by First Citizens Bank where we checked: welcome offer. We could not verify, so we do not print: foreign transaction fee and earn rates. Check them with First Citizens Bank. Terms can change without notice, so confirm the current details with First Citizens Bank before you apply.