First Citizens Rewards Visa Card

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First Citizens Rewards Visa Card

0.00
6.9

Annual Fee

10.0/10

Promotions

6.0/10

Services

6.0/10

Travel

5.0/10

Insurance

6.0/10

Rewards

6.0/10

Security

8.5/10

APR (Interest Rate)

6.0/10

Customer Support

8.5/10

Pros

  • Cash Advance and Balance Transfer Fees are good.
  • 0% APR for balance transfer for 12 months.
  • You can find different reward options with different tiers on this card. You can check the rates table below to see more.
  • No annual fee for the 2 tiers.
  • Purchase % Balance Transfer APR is fair.

Cons

  • Rewards & cash back rates could be better. They are generally below the average rate.
  • You need to pay for accelerate your earnings tier.
  • Cash advance APR is high.
  • You will pay extra 2% cash for foreign transactions.

Review

First Citizens Rewards Visa Card has 3 different tiers. You can get cashbacks, rewards points or 50% more rewards points with those tiers. You can select one of those programs while you are having the credit card. All APR and fees are same for those tiers but only type of rewards are different.

Earn Rewards: Earn rewards is one of those tiers of the credit card. You can 1 reward point per $1 purchase. No annual fee.

Accelerate Your Earnings: The most profitable tier of the card. You gain 1.5 rewards points per $1. Yearly fee is $50. (Waived first year.)

Unlimited Cash Back: You can earn 1% cashback for every purchases with this tier. You can redeem cashbacks to your saving account. No annual fee.

12.99% – 23.99% balance transfer and purchase APR is at fair rate. However if your creditworthiness is not good, the maximum rate is a little bit high. Cash advance fee is a little bit high for this card. 3% balance transfer fee and 3% cash advance fee is very good. You will need to pay 2% more for every foreign transactions.

Other good services:

  • Phone protection.
  • Zero liability.
  • Travel and Rental Services.

Rates

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
12.99% – 23.99% Earn Rewards Tier:

1 Rewards Points

Accelerate Your Earnings Tier:

1.5 Rewards Points

Unlimited Cash Back Tier:

%1 Cash Back

None

Accelerate Your Earnings: $50

2% $38 $5 or 3% 23.99% – 26.99% $5 or 3% 0% APR for first 12 months.

Regular:

12.99% – 23.99%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 208 200 100
Balance Transfer 217 226 50
Rewards 170 189 64
No Annual 167 166 60
Cash Back 100 123 26

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