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First Citizens Bank
| Term | Value | Source |
|---|---|---|
| APR for purchasesintroductory rate first | ||
| Introductory, 12 months | 0%First-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| 13.49%–22.49% variableFirst-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website | |
| APR for balance transfersintroductory rate first | ||
| Introductory, 12 months | 0%First-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| After | 13.49%–22.49% variableFirst-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | No annual feeFirst-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | ||
| Cash advance | — | |
| Balance transfer | the greater of $5 or 3% of the amount, based on creditworthiness; each transfer is subject to a 3% fee ($5 minimum)First-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | — | |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| APR qualificationsBalance transfer · Introductory; Balance transfer · Regular; Purchase · Introductory; Purchase · Regular | based on creditworthiness; each transfer is subject to a 3% fee ($5 minimum)First-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |