How to Choose the Right First Citizens Bank Credit Card?
Choosing the right credit card from a specific credit card issuer can be difficult. Considering First Citizens Bank, there are three steps that will help you.
First of all, you should figure out your credit score. It can vary from "Poor” to “Excellent”, and the higher your score is, the better First Citizens Bank credit card offers and terms are available to you.
Then, you need to identify why you need a First Citizens Bank credit card and determine key aspects your future credit card must have. If you search for a credit card to increase your credit score, look for those with large grace period and no annual fee. If you want to not spend money on interest, First Citizens Bank credit cards with the smallest interest and introductory rates are your best choice. If you are looking for a credit card with cash, points, or miles rewards, check the rewards program offered by First Citizens Bank.
As a third step, compare the First Citizens Bank offers you think are the best for you, but taking into consideration all the aspects. Overall, an ideal credit card fits the following characteristics: near-zero annual percentage rate (APR), long grace period, no fees, high credit limit, the finance charge calculations include one billing cycle only, and great rewards and sign-up bonuses. You can easily compare First Citizens Bank credit cards in the table below.
Side-by-Side Comparison of First Citizens Bank Credit Cards
| Card Name
| APR
| Annual fee
| Rewards
| Intro offer
|
|---|
| Cash Rewards Visa®
| 18.24% - 27.24% Variable
| $0
| 1.5% Unlimited Cash Back on all your purchases. | No current offer. |
| Smart Option Visa®
| 15.24% - 24.24% Variable
| $0
| This card doesn't offer cash back, miles or points. | No current offer. |
Conclusion
Today, First Citizens Bank has a range of credit cards with various features, yet it’s better to find the best one for you.
