First Citizens Cash Rewards Visa®
- Annual fee
- $0
- Recommended credit
- Good / Fair
- Card network
- Visa
- Regular purchase APR
- 17.99% to 26.99% variable based on creditworthiness and the Prime Rate
At a glance
The First Citizens Cash Rewards Visa® offers cardholders a flat 1.5% cash back on all qualifying purchases. There is no limit to how much cash back you can earn, and this card adds your cash back rewards daily to your account. New cardholders can also take advantage of 0% interest over 12 months on balance transfers.
Our review of the First Citizens Cash Rewards Visa®
The First Citizens Cash Rewards Visa® from First Citizens Bank offers cardholders a straightforward rewards system that earns them the same amount of cash back on almost all their purchases. Cardholders don’t have to worry about reaching rewards limits with this card, making your earnings potential almost endless.
Earn Cash Back on Your Purchases
The First Citizens Cash Rewards Visa® has a very simple rewards system. Basically, cardholders earn 1.5% cash back on all their purchases. There are certain restrictions to what purchases will earn you rewards, but these are common to a lot of credit cards from many different issuers. You can’t earn rewards on financial transactions, like cash advances and balance transfers, for instance.
Signing up for a cash back card like this one makes it simple to know how much in rewards you’ll earn when you use your card. You know that you’ll be earning $1 for every $100 you spend with your Cash Rewards Visa, no matter where you use your card.
How First Citizens Issues Rewards
Even though the First Citizens Cash Rewards Visa® is technically a cash back credit card, you don’t automatically receive cash from the bank when you use your card. Instead, your rewards appear on your account as points. These points can then be redeemed for cash.
Redeeming Your Points
The First Citizens Cash Rewards Visa® gives cardholders options for redeeming their cash back rewards. You have two options for redeeming your cash rewards: a cash deposit or a statement credit. You can choose how you want to receive your cash back every time you redeem your cash rewards.
0% APR on Balance Transfers
One of the most appealing features of the First Citizens Cash Rewards Visa® is its introductory balance transfer promotion. New cardholders can transfer a balance from another credit card when they first sign up and not have to pay interest on it for 12 full months.
Should You Apply for the First Citizens Cash Rewards Visa®?
This credit card offers 1.5% cash back on all purchases, above the baseline ratio for most cards. If you want a basic credit card that offers cash back and don’t mind redeeming rewards as points, the First Citizens Cash Rewards Visa® might be a good match. However, if rewards aren’t that important to you, you may end up saving more money with a different card. The balance transfer feature is also a star benefit of this credit card.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Earn 1.5% cash back on every $1 you spend
- Unlimited cash back potential
- 0% introductory APR for 12 months on balance transfers made within 90 days from account opening date
Who this card may suit
- You don’t want to pay an annual fee
- You would like to earn 1.5% cash back on your purchases
- You want to take advantage of 0% APR on balance transfers for 12 months
- You want the option of redeeming rewards as cash deposits or statement credits
Rates, fees and terms
| Annual Fee | $0 |
|---|---|
| Regular Purchase APR | 17.99% to 26.99% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 12 months on transfers made within 90 days from account opening date |
| Balance Transfer APR | 17.99% to 26.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 26.99% to 29.99% variable based on creditworthiness and the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $39 |
| Return Payment Penalty Fee | $25 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
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First Citizens Cash Rewards Visa®
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