Are you looking for the best First Citizens Credit cards? Look no further! Discover the perfect First Citizens Credit Card that aligns with your dreams and aspirations, making every purchase a rewarding experience.
Whether you’re an avid traveler, a cash-back enthusiast, an everyday shopper, or a savvy financial planner, these credit cards are just perfect to empower and elevate your financial well-being. Check out the best Citizens Credit Cards here, and don’t miss out on these incredible opportunities—apply for your ideal credit card today!
1. Travel Rewards Credit Card
2. Rewards Credit Card
3. Cash Rewards Credit Card
4. Smart Option Credit Card
Overview of the Best First Citizens Credit Cards
How to Choose the Best First Citizens Credit Cards
Pros and Cons of the Best First Citizens Credit Cards
Pro Tips
Recap
1. Travel Rewards Credit Card
Are you a globetrotter or an adventure seeker, this card takes you on a journey of exceptional rewards. Earn abundant points on all your travel expenses and relish exclusive travel perks, including a generous $100 annual travel credit. Say goodbye to foreign transaction fees and explore the world without limits, as there’s no earnings cap on points.
Pros
- Accumulate additional points on travel and dining expenses, and utilize them to redeem diverse rewards.
- Receive a $100 annual travel credit and access exclusive Visa Signature benefits, which encompass cell phone protection, porch piracy protection, roadside assistance, identity protection, credit monitoring, and exclusive deals.
- Facilitate quick and secure purchases through contactless payments.
- Monitor your accounts and transactions effortlessly with text and email alerts.
- Streamline your bill payments and gain extra peace of mind with Digital Banking’s automated system.
Cons
- Applies an annual fee after the first year of membership.
- Features a variable interest rate that could be high based on your creditworthiness.
- Imposes potential limitations or restrictions on the rewards program.
- Accumulate 3 points for every $1 spent on travel, 2 points for every $1 spent on dining, and 1.5 points for every $1 spent on other purchases you qualify for.
- Save on the $95 annual fee, as it is waived during the first year of card membership.
- Maximize your points on travel and enjoy exclusive travel rewards, which include a bonus of $100 annual travel credit.
- Avoid foreign transaction fees for worry-free international spending.
- Enjoy limitless earnings with no cap on points and the added benefit that your points never expire.
- Benefit from a 0% introductory APR on balance transfers for the first 12 months, followed by a variable purchase rate ranging from 17.99% to 26.99% based on creditworthiness.
2. Rewards Credit Card
Embrace the joy of earning more with every swipe, catering to your everyday needs and desires. This card offers elevated points on essentials like gas, select streaming services, groceries, drugstores, and other qualifying purchases. A rewarding experience awaits, with no annual fee and the flexibility to redeem points for cash back, gift cards, or exciting merchandise.
Pros
- Accumulate more points on gas, streaming services, grocery, and drug store purchases, and redeem them for various rewards.
- Enjoy Visa Signature benefits, such as cell phone protection, porch piracy protection, roadside assistance, identity protection, credit monitoring, and special deals.
- Pay no annual fee for this card.
Cons
- Varies the interest rate, which may be high depending on your creditworthiness.
- Imposes potential limitations or restrictions on the rewards program.
- Earn 3 points for gas and select streaming services, 2 points for groceries and drugstores, and 1 point for every $1 spent on qualifying purchases.
- Redeem rewards points for cash back, gift cards, and merchandise.
- Avoid paying an annual fee.
- Acquire more points on groceries, gas, and streaming services.
- Utilize the 0% intro APR on balance transfers for the first 12 months to consolidate debt.
3. Cash Rewards Credit Card
Unlock the magic of cashback with this card, perfect for you if you love a little extra in your wallet. Earn unlimited 1.5% cash back on every dollar spent on qualifying purchases. The best part? There’s no pesky annual fee to worry about, and you have the freedom to redeem your hard-earned cash back as a statement credit or effortlessly transfer it to your other First Citizens accounts.
Pros
- Access Visa Signature benefits, including cell phone protection, porch piracy protection, roadside assistance, identity protection, credit monitoring, and special deals.
- Enjoy the advantage of no annual fee for this card.
Cons
- Varies the interest rate, which can be high based on your creditworthiness.
- Imposes potential limitations or restrictions on the cash back program.
- Earn 1.5% unlimited cash back on every $1 you spend on qualifying purchases.
- Redeem your cash back for a statement credit or transfer it to your other First Citizens accounts.
- Enjoy a 0% introductory APR for the first 12 months on balance transfers, then a variable purchase rate of 17.74% to 26.74% based on your creditworthiness applies.
- Benefit from other features such as contactless payments, text and email alerts, digital banking, purchase security, extended warranty protection and auto rental collision damage waiver.
4. Smart Option Credit Card
Are you a savvy spender who values smart financial choices? This card is a game-changer. Save big on interest and fees with its low-interest rate and a refreshing absence of an annual fee. Plus, enjoy a stress-free first 12 months with a 0% introductory APR on balance transfers. After that, benefit from a variable purchase rate based on your creditworthiness, ensuring your financial journey is as smooth as can be.
Pros
- Experience a low-interest rate and benefit from saving money on interest charges.
- Boasts the lowest purchase rate among the First Citizens credit cards.
- Pay no annual fee for this card.
- Receive added protection on your purchases
Cons
- Receive no rewards or benefits with this card.
- Experience a variable interest rate that may change over time.
- Enjoy a 0% intro APR on balance transfers for the first 12 months, followed by a variable APR of 14.99% to 23.99%.
- Combine higher interest rate balances and streamline your debt.
- Utilize the introductory offer on balance transfers to consolidate your debt.
Overview of the Best First Citizens Credit Cards
The best First Citizens credit cards offer versatile options to suit various lifestyles and preferences. Travel Rewards Credit Card is perfect for globetrotters, earning more points on travel with exclusive travel rewards and no foreign transaction fees. Cash Rewards Credit Card provides 1.5% unlimited cash back on qualifying purchases with no annual fee, enabling easy redemption options. Rewards Credit Card offers elevated points on essentials like gas and groceries, free from an annual fee and allowing flexible redemption. For smart financial choices, the Smart Option Credit Card presents a low-interest rate, no annual fee, and a 0% introductory APR on balance transfers for the first 12 months, tailoring to savvy spenders seeking to save on interest and fees.
How to Choose the Best First Citizens Credit Cards
Before choosing the best First Citizens card for you, there are some things you should consider, such as:
- Your credit score: Different cards have different credit requirements, and you should check your credit score before applying for a card. The higher your score, the more likely you get approval and enjoy better terms.
- Your spending habits: Depending on how you use your card, look for a card that offers rewards, low-interest rates, balance transfers, or other features that suit your needs. Ask yourself if you want to earn cash back. If yes, choose a card that has a high flat rate or bonus categories.
- Your goals: Think about what you want to achieve with your card. What is your interest? To build or improve your credit, save money on interest, earn rewards, or consolidate your debt? Look for a card that helps you reach your goals and aligns with your financial situation.
Pros and Cons of the Best First Citizens Credit Cards
- Pros
- Require low opening deposits and monthly fees that are eligible for waivers on all the credit cards.
- Include contactless payment technology, digital banking, mobile deposits, and free access to First Citizens ATMs for all the credit cards.
- Provide fraud protection, cell phone protection, porch piracy protection, roadside assistance, identity protection, credit monitoring, and special deals from Visa across all the credit cards.
- Feature generous rewards programs on the Travel Rewards, Rewards, and Cash Rewards credit cards, enabling you to earn points or cash back on purchases and redeem them for various options.
- Offer low interest rates on the Smart Option and Secured Cash Back credit cards, allowing you to save money on interest charges or build your credit history.
- Cons
- Limit availability of credit cards to 23 states where First Citizens Bank has branches and ATMs.
- Feature variable interest rates that may change over time and could be high based on your creditworthiness for the credit cards.
- Incur a $95 annual fee after the first year for the Travel Rewards credit card, which might offset the value of the rewards and benefits.
- Impose limitations or restrictions on rewards programs, including expiration dates, caps, minimum redemption amounts, or fees.
- Offer no rewards or benefits, other than the low interest rates, for the Smart Option and Secured Cash Back credit cards.
Pro Tips
Here are some other things to keep in mind when choosing a First Citizens credit card:
- Check your credit score and credit reports before applying for a credit card. Your credit score will determine your eligibility and interest rate for the different cards.
- Identify your spending habits and goals. Do you want to earn rewards on your purchases, save money on interest, or build or improve your credit? Consider the different types of credit cards and their respective features to see if they match your desire.
- Compare the features, rates, and rewards of different cards. Look at the annual fees, interest rates, balance transfer fees, foreign transaction fees, and other charges that may apply to each card. Also look at the rewards programs, benefits, and perks that each card offers
- Read the fine print and terms and conditions of each card before applying. Make sure you understand the eligibility requirements, rewards redemption options, limitations, restrictions, and expiration dates of each card.
- Apply for the card that best suits your needs and offers the most value for you.
Recap
No matter which First Citizens credit card you choose, you can be sure that you’re getting a card with competitive rewards and benefits. So if you’re looking for a new credit card, be sure to consider one of the best First Citizens credit cards.
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