Personal & Business Credit Cards

First Citizens Visa® Credit Cards for Personal & Business

Personal Credit Cards

Increase your purchasing power with a First Citizens personal VISA® Credit Card & enjoy 0% Intro APR for the first 12 billing cycles on balance transfers & purchases! After that, a variable APR, currently 14.24%-28.24% will apply.¹

Cash Rewards Platinum Visa® Credit Card

Cash Rewards Platinum Visa®

Earn Unlimited 1% Cash Back

Earn 1% cash back on all net purchases, every day. Cash rewards don't expire.

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Visa® Signature Travel Credit Card

Visa® Signature Travel

Bonus Rewards and Travel Perks

Earn 30,000 Bonus Points when you spend $2,500 in the first 3 months. Earn 1.5 points per dollar on all your net purchases.

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Platinum Edition Visa®

Low Rate

If you're looking for a no frills card with a low rate, this one is for you.

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Secured Platinum Visa® Credit Card

Secured Platinum Visa®

Build or Re-Build Your Credit

The card that helps you build or re-build your credit.

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Rewards Platinum Visa®

Earn Unlimited Reward Points

Earn one point per dollar on all net purchases. Choose from hundreds of merchandise, travel and activity options.

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Business Credit Cards

Take your business to the next level with our VISA® Credit Card. We have the card to fit YOUR business, PLUS, 0% Intro APR for the first 6 billing cycles on balance transfers & purchases! After that, a variable APR, currently 16.24%-27.24% will apply.²

First Citizens Company Rewards Visa® credit card

Company Rewards Visa®

Pay-in-Full Card

If you're a large corporation, non-profit organization, municipality or a financial institution, this card is for you.

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Business Cash Rewards Visa® credit card

Business Cash Rewards Visa®

Earn Unlimited 1% Cash Back

Earn 1% cash back on all net purchases, every day. Cash rewards don't expire.

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Business Edition Visa® credit card

Business Edition Visa®

Low Rate

If you're looking for a no frills card with a low rate, this one is for you.

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Business Rewards Visa® credit card

Visa® Platinum Purchasing

More Purchasing Control

For mid-size to large corporations looking to simplify the payables process and have more spending control.

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Business Rewards Visa® credit card

Business Rewards Visa®

Earn Unlimited Reward Points

Earn one point per dollar on all net purchases. Choose from hundreds of merchandise, travel and activity options.

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1 - Consumer Cards: 0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 8.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 15.24% and 25.24%, Platinum Edition APRs are currently between 14.24% and 24.24%, Cash Rewards Platinum APRs are currently between 18.24% and 28.24%, and Visa Signature APRs are currently between 18.24% and 24.24%. Rewards Platinum Cash Advance APR is currently 27.24%, Platinum Edition Cash Advance APR is currently 27.24%, Cash Rewards Platinum Cash Advance APRs are currently 27.24%-30.24%, and the Visa Signature Cash Advance APR is 27.24%. All APRs are based on creditworthiness. Rates are accurate as of September 1, 2023 and are subject to change. To find out what may have changed, contact us or check our website for current rates. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. Balance transfer fees are either $5 or 3% of each balance transferred, whichever is greater. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Foreign transaction fees, for merchants located outside of the U.S., are (a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign currency, or (b) 1% of the U.S. dollar amount of the transaction, if made in U.S. dollars. Subject to credit approval. This card is issued by TCM Bank, N.A. Secured Credit Cards are not eligible for 0% Intro APR.

2 - Business Cards: See Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval. 0% Intro APR does not apply to Company Rewards Charge Card