Personal & Business Credit Cards

Credit Cards for Personal & Business

Want a FREE Reusable Tote Bag?

Apply for a First Citizens credit card from July 15 - September 15, 2025

Receive a FREE reusable tote bag* and every application generates a $5 donation to a local nonprofit organization.

COMPLETE CREDIT CARD APPLICATION MUST BE SUBMITTED AT ANY BANK LOCATION OR ONLINE TO QUALIFY FOR $5.00 DONATION AND BAG. CREDIT CARD APPROVAL IS NOT NEEDED TO COUNT TOWARDS PROMOTION. CREDIT CARDS ARE SUBJECT TO UNDERWRITING APPROVAL. CARDS ISSUED BY TCM BANK, N.A.

*While supplies last.

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®

Unlimited 1% cash back on every purchase, every day*

Get Pre-Qualified

Visa® Signature Travel Credit Card

Visa® Signature Travel

Unlimited 1.5x points on every purchase, every day.*

Get Pre-Qualified

Platinum Edition Visa®

Our lowest rate card.

Get Pre-Qualified

Secured Platinum Visa® Credit Card

Secured Platinum Visa®

The card that helps you build and re-build credit.

Get Pre-Qualified

Rewards Platinum Visa®

Unlimited 1x point on every purchase, every day.*

Get Pre-Qualified

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®

Unlimited 1x point on every purchase, every day for your business.¹

Apply Online

Business Cash Rewards Visa® credit card

Business Cash Rewards Visa®

Unlimited 1% cash back for your business on every purchase, every day¹

Apply Online

Business Edition Visa® credit card

Business Edition Visa®

Low rate card, keep business spending separate from personal

Apply Online

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.

Business Rewards Visa® credit card

Business Rewards Visa®

Unlimited 1x point on every purchase, every day for your business.¹

Apply Online

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