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.

Browse Personal Credit Cards

Our Personal Credit Card Options

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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Card Features & Management

Card Features

Contactless - TAP to pay
No Annual Fee*
ID Navigator powered by NortonLifeLock™
Zero Liability and Fraud Monitoring with email and text fraud alerts
FICO® Score¹ - view your score for FREE
Travel Accident Insurance**
Cell Phone Protection²
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

*See terms and conditions for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
**Coverage 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.
¹Certain 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 or to file a claim visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.
²FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.
³No one can prevent all identity theft.