USES

Cash Rewards Visa® from First Citizens Bank Review

Cash Rewards Visa® from First Citizens Bank — all information about the credit card.

Updated December 07, 2023
Advertiser Disclosure Our Methodology
First Citizens Bank Cash Rewards Visa®
Apply now
Our Rating:
3.53 out of 5
scorer
Recommended credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 1.5% Unlimited Cash Back on all your purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    18.24% - 27.24% Variable
  • Balance Transfer APR:
    18.24% - 27.24% Variable
Show more

We recommend more cards

Quicksilver Capital One
Capital One Quicksilver Cash Rewards Credit Card
None
Annual Fee
19.99% - 29.99%
Regular APR
5%
Cash Back on hotels and rental cars booked through Capital One Travel.
Learn more
on our partner’s site
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
1.5%
Cash Back on payments.
Apply now
On Upgrade‘s website
QuicksilverOne Capital One
Capital One QuicksilverOne Cash Rewards Credit Card
$39
Annual Fee
29.99%
Regular APR
5%
Cash Back on hotels and rental cars booked through Capital One Travel.
Learn more
on our partner’s site
Apply now

First Citizens Bank Cash Rewards Visa® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
1.5%
All purchases
$
Calculate
Show less details

All benefits

  • Cash back
    • 1.5% On all your purchases.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 18.24% - 27.24% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for the first 12 billing cycles following account opening on any balance transferred within the first 90 days following account opening
  • Balance Transfers APR
    • 18.24% - 27.24% Variable
  • APR for Cash Advances
    • 27.24% - 30.24% Variable
  • How to Avoid Paying Interest
    • Your due date will be at least 21 days after your billing statement is mailed or delivered to you.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $5 or 3% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Return Payment
    • $25
  • Late Payment
    • Up to $39
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period
Cons:
  • Foreign Transaction Fee

Features

Classic
Visa
  • No Annual Fee
  • Rewards
  • Purchase Protection
  • Fair Credit
  • Good Credit

About the issuer

First Citizens Bank
First Citizens Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Low income
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
4.06 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 3%
    Cash Back on Home, Auto and Health categories.
  • None
    Purchase Intro APR
Apply now
On Upgrade‘s website
Divvy Cross River Bank
Divvy
Cross River Bank
4.04 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • None
    Regular APR
  • 2x - 7x:
    Points on restaurants.
  • None
    Purchase Intro APR
Apply now
On Cross River Bank‘s site
Capital One® Quicksilver Secured Cash Rewards
Capital One Quicksilver Secured Cash Rewards Credit Card
3.54 out of 5
Recommended credit score
score
No Credit History
  • None
    Annual Fee
  • 29.99%
    Regular APR
  • 5%
    Cash Back on hotel and rental car purchases through Capital One Travel.
  • None
    Purchase Intro APR
Learn more
on our partner’s site

See Another Credit Cards in the Bank

First Citizens Bank Cash Rewards Visa® is an option for those, who need Classic features. With an APR of 18.24% - 27.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair to Good (580-739) credit score. With First Citizens Bank Cash Rewards Visa® you will get such features as No Annual Fee, Rewards, Purchase Protection, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
Best for International students
Quicksilver Student Cash Rewards Capital One
Capital One Quicksilver Student Cash Rewards Credit Card
3.43 out of 5
Recommended credit score
scorer
No Credit History
  • None
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 10%
    Cash Back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024.
  • None
    Purchase Intro APR
Learn more
on our partner’s site