Credit Cards

Get a Personal First Citizens Credit Card

Relax with great rates, security, and rewards — all from the community bank you trust. Increase your purchasing power with our credit cards and enjoy great benefits.

Personal Credit Cards

Our Personal Credit Card Options

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

Card Features & Management

Card Features

Contactless - Tap to Pay
No Annual Fee**
Free Credit Score²
ID Navigator powered by NortonLifeLock™⁵
Fraud Monitoring and Zero Fraud Liability
Travel Accident Insurance⁴
Cell Phone Protection³
Mobile Payments with Digital Wallet
MyCard Mobile App

Manage Your Credit Card Online

You'll be able to:

Make payments and set-up auto pay
Check balance and view your account transactions
Set-up email and mobile account alerts
Enroll in credit card paperless statements

cRewards™ Online Account Access

Have points to redeem from your Visa® purchases?

View Merchandise

Visit www.cRewardscard.com for more info.

MyCard Mobile App

Search for "MyCard Mobile" in your app store to download.

Make a payment, check your balance, view transactions, set alerts
View purchase details including merchant name, exact map location, and store information.
Turn your card on and off, set spending limits, and determine where your card can be used
24-hour self-service - Activate cards, inform when traveling, and report lost or stolen cards

*In order to access rewards, your account must be open and in good standing.

**See the card application’s Important Disclosures for current terms, rates and fees.

²FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated quarterly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.

³Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.

⁴Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.

⁵No one can prevent all identity theft.