Review: First Citizens Bank Credit Cards

first-citizens-bank-credit-cardFirst Citizens Bank offers 3 credit cards, certainly one of which provides you the potential for one of many lowest rates of interest within the nation. Our assessment of all three playing cards is beneath:

  • The First Citizens Smart Option Visa is a no-frills bank card that’s all concerning the rate of interest. In case your credit score is sweet, you may get a price as little as 8.74%, which is likely one of the lowest charges within the nation. (See our Low Interest Credit Cards web page for extra.) Nonetheless, notice that the rate of interest on this card can nonetheless go as excessive as 19.74% in case your credit score historical past isn’t so good. No annual price.
  • The First Citizens Rewards Visa affords a really customary factors program. You get 1 level per greenback charged to the cardboard, and you need to use factors towards rewards together with money, present playing cards, journey, merchandise, and many others. There isn’t a annual price, and the rate of interest on the cardboard will be as little as 11.74% or as excessive as 22.74%, relying in your credit score historical past.
  • If you happen to use your bank card usually and actually rack up the costs, you would possibly contemplate the First Citizens Rewards Visa with Accelerated Earnings, which has an annual price of $50 however affords extra factors per greenback charged. Particularly, you get 1.5 factors per greenback, versus the 1 level per greenback with the cardboard above. Doing the maths, you would wish to spend a minimum of $10,00zero yearly along with your card to make this a greater possibility than the cardboard above. See our Cash Back Credit Cards or Rewards Credit Cards pages additionally, to check both of those reward playing cards with different choices.

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