Whoever owns a credit card is the owner of a key that opens the doors to its user to enjoy the acquisition of goods with the possibility of paying for them later, through a consensual contract that sets the interest rates and installments for the payment of the same.

Having a credit card results in the enjoyment of a wide list of benefits and although it also presupposes some disadvantages due to bad criteria when using it, it can be summarized in the fact that it is worth having one. Aware of this need, First Citizens Bank offers its users the Rewards Credit Card.



About First-Citizens Bank

Founded in North Carolina in 1898 under the name Bank of Smithfield, First Citizens Bank is a bank that has evolved over the years and has managed to maintain its position in the banking market as one of the most established and solid banks in the United States.

After 126 years of history, we can highlight its merger in 1929 with Citizens National Bank, where it was renamed First and Citizens National Bank, but later the name was simplified to First Citizens Bank. It is currently positioned among the 20 largest banks in the United States.

First Citizens Bank Rewards Credit Card

With its slogan “A credit card that makes every day rewarding” this rewards card is a coveted card in the financial market for all the benefits offered to its users, as it is a credit card that works for its users and is backed by VISA.


This card makes an excellent duo between the most rewarding and your spending style. It offers its users an excellent rewards program within which it is worth mentioning merchandise, trips, gift cards, and different products among others. All by redeeming the points accumulated for their consumption.

Rewards Credit Card points reward system

As its name suggests, this is a rewards card and its main benefit is the points you can earn as a reward for purchases made with this card. For every $1 spent you can receive up to 3 points on streaming services and gas, 2 points on groceries and drugstores, and 1 point on your everyday purchases.

The user will be able to see the reward points accumulated daily with his card as First Citizens Bank publishes them daily in his account. And you can choose between redeeming points for products or cash back, from the digital banking in the Rewards Balance menu.

Among the rewards that Rewards Credit Card customers can access are the following:

  • Make deposits to the user’s checking or savings account at First Citizens Bank.
  • Likewise, the user will be able to enjoy obtaining credit in the next account statement, which can be redeemed for retail purchases or trips that qualify.
  • There is also the ability to exchange points for gift cards that can be used at any retail store, restaurant, gas station, or any business that accepts VISA.
  • Points can be redeemed toward the purchase of golf clubs, travel luggage, electronics, and more at a variety of major retailers.
  • Points can also be exchanged for travel and travel benefits such as car rentals, flights, or cruises.


Benefits of this card

This is a card that the customer will want to use every day when making all of their purchases because, with this Rewards Credit Card, it is easier to earn points on regular everyday purchases. But it also has the following benefits:

  • You can earn more points than any other card, 3 points on streaming services and gas purchases, and 2 on groceries and drugstores.
  • With this credit card, you enjoy faster, more convenient, and safer shopping.
  • This credit card has no annual fee.
  • You can track your transactions and card account with text messages and email alerts.
  • The customer will be able to access any of the card services from the phone. Report if the card is lost or stolen. Block the card and notify the bank if the user is traveling.
  • With this card, balance transfers can be made with 0% introductory APR for the first year and thereafter a rate of 18.24% to 27.24% is applied depending on the user’s creditworthiness.

How rewards are redeemed

It is a very easy and simplified process where the user enters the digital banking and there he/she can see the rewards balance and from there he/she can redeem or manage the card.

In the case of redeeming points for cash reimbursements, the redeemed funds can be deposited in the user’s First Citizens Bank checking or savings account or it can be done as a credit attached to the customer’s credit card statement.

It can be summarized that this credit card offered by First Citizens Bank is one of the best options within the wide range of credit card offers in the market.

Under the tutelage of a financial giant with more than 120 years of experience and under the Visa seal, the First Citizens Bank Rewards Credit Card is the credit solution for many customers. If you are interested in this card and its excellent rewards system, press the green button in this page, to start your application.