Bank · FDIC insured
First Citizens Bank Credit Card Rates
First Citizens Bank credit cards start at 13.74% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How First Citizens Bank’s credit card rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where First Citizens Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
First Citizens Bank
13.74%APR
- Up to
- 22.74% APR
Smart Option Credit Card
Lowest rate
Carolina Cooperative FCU
8.90%APR
- Up to
- —
2nd-lowest rate
Lion's Share Federal Credit Union
8.90%APR
- Up to
- —
First Citizens Bank credit card score
65
Credit card score
Higher than 13% of U.S. banks and credit unions
- Purchase APRPurchase APR13.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Citizens Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cash Rewards Credit Card
Subject to credit approval. Auto-enrolled in Visa Signature benefits with a credit line of $5,000 or more. Balance transfers must occur within first 90 days of account opening for 0% intro APR offer; subject to a balance transfer fee of $5 or 3% (whichever is greater).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.49%–25.49% | None | Variable purchase APR based on creditworthiness. |
| Intro, 12 months | 0.00% | None | 0% introductory APR on balance transfers for first 12 months; transfer must occur within the first 90 days of account opening. Balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater. After 12 billing cycles, defaults to variable purchase APR of 16.49% to 25.49%. |
Sources (3)
- firstcitizens.com/personal/credit-cards
- firstcitizens.com/personal/credit-cards/cash-rewards
- firstcitizens.com/personal/credit-cards/compare
All captured Oct 15, 2026
Rewards Credit Card
Subject to credit approval. Auto-enrolled in Visa Signature benefits with a credit line of $5,000 or more. Balance transfers must occur within first 90 days of account opening for 0% intro APR offer; subject to a balance transfer fee of $5 or 3% (whichever is greater).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.49%–25.49% | None | Variable purchase APR based on creditworthiness. |
| Intro, 12 months | 0.00% | None | 0% introductory APR on balance transfers for first 12 months; transfer must occur within first 90 days of account opening. Balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater. After 12 billing cycles, defaults to variable purchase APR of 16.49% to 25.49%. |
Sources (3)
- firstcitizens.com/personal/credit-cards
- firstcitizens.com/personal/credit-cards/compare
- firstcitizens.com/personal/credit-cards/rewards
All captured Oct 15, 2026
Secured Cash Back Credit Card
A First Citizens Secured Savings Account is required to obtain the Secured Credit Card Account. At least 100% of the credit line amount must remain on deposit in the Secured Savings Account (minimum refundable deposit $500, maximum $5,000). Deposit determines credit limit. $29 initial annual fee charged during first billing cycle and every 12 months thereafter.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 25.74% | $29 | Variable purchase APR. |
| Ongoing | 25.74% | $29 | Variable balance transfer APR. |
Sources (1)
- firstcitizens.com/personal/cre…-cards/secured-cash-back · captured Oct 22, 2026
Smart Option Credit Card
Subject to credit approval. Balance transfers must occur within first 90 days of account opening for 0% intro APR offer; subject to a balance transfer fee of $5 or 3% (whichever is greater).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49%–22.49% | None | Variable purchase APR based on creditworthiness. |
| Intro, 12 months | 0.00% | None | 0% introductory APR on balance transfers for first 12 months; transfer must occur within the first 90 days of account opening. Balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater. After 12 billing cycles, defaults to variable purchase APR of 13.49% to 22.49%. |
| Ongoing | 25.49%–28.49% | None | Variable cash advance APR based on creditworthiness. Each cash advance is subject to a 5% fee (minimum $10). |
Sources (3)
- firstcitizens.com/personal/credit-cards
- firstcitizens.com/personal/credit-cards/compare
- firstcitizens.com/personal/credit-cards/low-interest
All captured Oct 15, 2026
Travel Rewards Credit Card
Subject to credit approval. Requires credit line of $5,000 or greater. $95 annual fee waived the first year, charged every 12 months thereafter. Balance transfers must occur within first 90 days of account opening for 0% intro APR offer; subject to a balance transfer fee of $5 or 3% (whichever is greater).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.49%–25.49% | $95 | Variable purchase APR based on creditworthiness. Annual fee of $95 is waived the first year, charged every 12 months thereafter. |
| Intro, 12 months | 0.00% | $95 | 0% introductory APR on balance transfers for first 12 months; transfer must occur within the first 90 days of account opening. Balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater. After 12 billing cycles, defaults to variable purchase APR of 16.49% to 25.49%. Annual fee waived the first year. |
Sources (2)
All captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.