First Citizens Bank Rewards
The First Citizens Bank Rewards from First Citizens Bank earns up to 3% effective value on gas 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
- Gas
- Effective value
- 3%
- 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 Rewards earn in each category?
Gas is the strongest category at 3% effective value (3x points at about 1 cents each). That gas rate ranks higher than about 67% of the 1,551 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Gas is the strongest category at 3% effective value (3x points at about 1 cents each). That gas rate ranks higher than about 67% of the 1,551 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% |
| Grocery Supermarkets and grocery stores | 2x points | 2% |
| Gas Gas stations and fuel | 3x points | 3% Top category |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 3x points | 3% |
Madeen values First Citizens Bank points at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the First Citizens Bank Rewards reward caps and conditions?
The First Citizens Bank Rewards has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 3 points on gas for every $1 spent on qualifying purchases
- 2 points on groceries for every $1 spent on qualifying purchases
- 3 points on select streaming serviceson for every $1 spent on qualifying purchases
Who should get the First Citizens Bank Rewards?
The First Citizens Bank Rewards fits spenders who put meaningful volume in gas and can earn 3x points. Best for spenders who put meaningful volume in gas and can earn 3x points. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
First Citizens Bank Rewards fits spenders who put meaningful volume in gas and can earn 3x points. Madeen ranks its gas effective rate higher than about 67% 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 gas and can earn 3x points.
Foreign transaction fees make it weaker for international spend.
Best for gas-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 gas at about 3% effective (3x points).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- Multiple caps, activations, or exclusions may limit headline earn rates.
- First Citizens Bank points value depends on how you redeem, not straight cash back.
Does the First Citizens Bank Rewards have an annual fee, and what's the welcome bonus?
The First Citizens Bank 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 Rewards?
The First Citizens Bank 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.
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Cell phone protection
When 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
Take 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.
- Dovly Uplift™Included with Visa Signature®
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
- Global Entry Statement CreditIncluded with Visa Signature®
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
- Golf Benefits from Troon Rewards®Included with Visa Signature®
Enjoy 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.
- Identity protection
Your First Citizens credit card includes ID Navigator powered by NortonLifeLock, providing tools so you can act quickly if your identity is threatened.
- OpenTableIncluded with Visa Signature®
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Common questions about the First Citizens Bank Rewards
Does the First Citizens Bank Rewards have an annual fee?
The First Citizens Bank 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 Rewards?
Gas is the strongest Madeen category for the First Citizens Bank Rewards at about 3% 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 Rewards charge foreign transaction fees?
The First Citizens Bank 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 Rewards?
Madeen's catalog lists a typical credit range of Good for the First Citizens Bank 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 do you redeem rewards on the First Citizens Bank Rewards?
Rewards on the First Citizens Bank Rewards post as First Citizens Bank points. Redemption value depends on how you use First Citizens Bank points (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 maximize rewards on the First Citizens Bank Rewards?
To maximize the First Citizens Bank Rewards, route gas and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the First Citizens Bank Rewards compare to similar cards?
Compare the First Citizens Bank Rewards against First Citizens Bank Rewards Business (3% on Gas, $0 fee); First Citizens Bank Cash Rewards Business (2% on Gas, $0 fee); First Citizens Bank Premium Rewards Business (3% on Dining, $95 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 Rewards This card | Gas | 3% | $0 |
First Citizens Bank | Gas | 3% | $0 |
First Citizens Bank | Gas | 2% | $0 |
First Citizens Bank | Dining | 3% | $95 |
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