First Citizens Bank

First Citizens Bank Travel Rewards Credit Card

Credit Card · USDOther

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Annual fee

US$95

Promotional rate

First Citizens Travel Rewards Credit Card Purchase Annual Percentage Rate (APR) 16.49% to 25.49%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate. Paying Interest Your due date will be at least 21 days after your billing statement is mailed or delivered to you. • We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. • We will begin charging interest on cash advances on the transaction date How We Will Calculate Your Balance: We use the average daily balance method (including new transactions). See the Consumer Credit Card Cardholder Agreement & Dis closure for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Consumer Credit Card Cardholder Agreement & Dis closure. Payments are Allocated to Posted Balances: If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Pay ment Due to the lowest APR balances frst. Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. How We Will Calculate Your Variable APRs: • Unless an introductory APR is in effect, we add a margin of between 9.74% and 18.74% to the Prime Rate to determine the APR for Purchases and Balance Transfers and a margin of between 18.74% and 21.74% for Cash Advances. • Prime Rate: As published in The Wall Street Journal on the last business day of the preceding month; current rate is 6.75% as of December 31, 2025. See the Consumer Credit Card Cardholder Agreement & Disclosure for more details. *More Information about Penalty Fees: If your Total Minimum Payment Due is not credited to your Account by your Payment Due Date, a Late Payment Fee of up to $28 .00 will be assessed. Any additional late payments during the next six billing cycles will result in a late fee of up to $39.00. You will not be assessed a late fee if your Total Minimum Payment Due is less than $30.00. No late fee will be more than your Total Minimum Payment Due. Loss of Introductory APR: If an introductory APR i s applicable t o Balance Transfers, we may e nd your introductory A PR and apply the p ost-introductory Balance T ransfer APR if all or part of your required minimum monthly payment is more than 60 days late. For more information call First Citizens Bank at 1-800-543-9000. CONDITIONS: By submittin g this application , you: (1) acknowledge tha t you have reviewed the credit card Terms and Conditions ; and (2) agree t o submit your applicatio n for this credit car d subject to those T erms and C onditions. You acknowledge t hat all t he information c ontained i n this application is true, correct a nd complete. You authorize F irst Citizens Bank t o obtain i nformation n ecessary to evaluate y our credit a nd employment h istory a nd to report t he credit e xperience o f each applicant o r aut horized user to consumer reporting a gencies and o thers. You agree t o be b ound by t he terms and c onditions of the Consumer Credit Card Agreement & Disclosure, which will b e sent t o you i f your a pplication i s approved. The Agr eement includes you r rights a nd responsibilities u nder the Fair Credit Reportin g Act. You authorize u s to share w ith others, to the extent p ermitted by l aw, such information and o ur credit experience with y ou. You understand that the terms of y our account m ay be changed a t any time, subject t o applicable l aw. You understand that you w ill be liable f or payment of a ll amounts owed on t he account. You understand First Citizens B ank will retain this application w hether or not i t is approved. Your credit limit will be disclosed with delivery of your card(s) and will also be listed on your account Billing Statements. First Citizens may change your limit in its sole dis cretion at any time as permitted by law and after providing you with required notice. You may request a change to your credit limit by contacting First Citizens at the toll free number listed on the back of your Card and on your Statement. You agree not to exceed your credit limit, but if you do, you promise to pay any amount over your limit without notice or demand. MM#14606-BFH-148-V4