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First Citizens Bank
| Term | Value | Source |
|---|---|---|
| APR for purchases | — | |
| APR for balance transfers | — | |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | Pay no annual feeFirst-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | ||
| Cash advance | — | |
| Balance transfer | — | |
| Foreign transaction | — | |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| Cash back | 1.50% cash back. Payment timing is not disclosed. 1.5% unlimited cash back on every $1 spent on qualifying purchasesFirst-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |