Bank · FDIC insured
First Citizens Community Bank Credit Card Rates
First Citizens Community Bank credit cards start at 26.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How First Citizens Community Bank’s credit card rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where First Citizens Community Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
First Citizens Community Bank
26.99%APR
- Up to
- 28.49% APR
Rewards Platinum
Lowest rate
APG Federal Credit Union
7.00%APR
- Up to
- —
2nd-lowest rate
Forge Credit Union
7.99%APR
- Up to
- 17.99% APR
First Citizens Community Bank credit card score
60
Credit card score
Higher than 0% of U.S. banks and credit unions
- Purchase APRPurchase APR26.99%
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 Community 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 Platinum
Subject to credit approval. This card is issued by TCM Bank, N.A. Earn 1% cash back on all net purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. |
| Ongoing | 17.74%–26.99% | None | Variable APR based on Prime Rate (based on a 6.75% Prime Rate). Applies after introductory period. Based on creditworthiness. |
| Ongoing | 27.74%–28.24% | None | Cash Advance APR. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Based on creditworthiness. |
Sources (1)
- firstcitizensbank.com/loans-cr…rsonal-credit-cards.html · captured Oct 16, 2026
Platinum Edition
Subject to credit approval. This card is issued by TCM Bank, N.A. Benefit from no penalty APR and low interest rates.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. |
| Ongoing | 14.74%–24.74% | None | Variable APR based on Prime Rate (based on a 6.75% Prime Rate). Applies after introductory period. Based on creditworthiness. |
| Ongoing | 24.74%–28.24% | None | Cash Advance APR. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Based on creditworthiness. |
Sources (1)
- firstcitizensbank.com/loans-cr…rsonal-credit-cards.html · captured Oct 16, 2026
Rewards Platinum
Subject to credit approval. This card is issued by TCM Bank, N.A. Earn one point per dollar on net purchases and redeem for merchandise, rental cars, travel, and more.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. |
| Ongoing | 16.74%–26.74% | None | Variable APR based on Prime Rate (based on a 6.75% Prime Rate). Applies after introductory period. Based on creditworthiness. |
| Ongoing | 26.74%–28.24% | None | Cash Advance APR. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Based on creditworthiness. |
Sources (1)
- firstcitizensbank.com/loans-cr…rsonal-credit-cards.html · captured Oct 16, 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.