First Citizens Bank Cash Rewards
The First Citizens Bank Cash Rewards from First Citizens Bank earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the First Citizens Bank Cash Rewards earn in each category?
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5% back | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the First Citizens Bank Cash Rewards?
The First Citizens Bank Cash Rewards fits spenders who put meaningful volume in dining and can earn 1.5% back. Best for spenders who put meaningful volume in dining and can earn 1.5% back. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
First Citizens Bank Cash Rewards fits spenders who put meaningful volume in dining and can earn 1.5% back. Madeen ranks its dining effective rate higher than about 35% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.5% back.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5% back).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
Does the First Citizens Bank Cash Rewards have an annual fee?
The First Citizens Bank Cash Rewards has an annual fee of $0 and a foreign transaction fee of $3. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the First Citizens Bank Cash Rewards?
The First Citizens Bank Cash Rewards includes Booking.com, Cell phone protection, Credit monitoring in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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OpenTable
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Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Cell phone protection
$25/yrWhen you pay your monthly wireless bill with your covered First Citizens credit card, your cell phone is protected for the next calendar month.
Credit monitoring
$25/yrTake charge of your credit rating with DOVLY Uplift™, a Visa-backed free credit monitoring service. Dispute credit issues, monitor and track score changes, and more.
Identity protection
$25/yrYour First Citizens credit card includes ID Navigator powered by NortonLifeLock, providing tools so you can act quickly if your identity is threatened.
Porch piracy protection
$25/yrWhen you use your covered First Citizens account for your purchases, your new purchases can be protected against theft from your home or other location.
Roadside assistance
$25/yrCall on Roadside Dispatch® whenever you're in need of a tow. Assistance is available to eligible First Citizens credit cardholders 24/7 with no membership required.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Roadside Dispatch®
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Stay connected in over 175 countries
$10/yrEligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
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Common questions about the First Citizens Bank Cash Rewards
How to redeem rewards with First Citizens Rewards cards?
Rewards on the First Citizens Bank Cash Rewards post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I redeem my reward points for cash?
Rewards on the First Citizens Bank Cash Rewards post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the First Citizens Bank Cash Rewards have an annual fee?
The First Citizens Bank Cash Rewards carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the First Citizens Bank Cash Rewards?
Dining is the strongest Madeen category for the First Citizens Bank Cash Rewards at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the First Citizens Bank Cash Rewards charge foreign transaction fees?
The First Citizens Bank Cash Rewards charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the First Citizens Bank Cash Rewards?
Madeen's catalog lists a typical credit range of Good for the First Citizens Bank Cash Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the First Citizens Bank Cash Rewards compare to similar cards?
Compare the First Citizens Bank Cash Rewards against First Citizens Bank Premium Rewards Business (3% on Dining, $95 fee); First Citizens Bank Travel Rewards (2% on Dining, $95 fee); First Citizens Bank Low-Interest Business (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
First Citizens Bank Cash Rewards This card | Dining | 1.5% | $0 |
First Citizens Bank | Dining | 3% | $95 |
First Citizens Bank | Dining | 2% | $95 |
First Citizens Bank | Dining | 0% | $0 |
First Citizens Bank | Dining | 0% | $0 |
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