First Citizens Bank is a retail bank with operations in eight states and the District of Columbia. It should not be confused with First Citizens, a smaller regional bank serving Georgia and South Carolina. While this smaller bank does offer credit cards, for the purposes of this review the larger First Citizens Bank will be the subject. Compare other credit card offers now!
First Citizens Bank offers a Visa Platinum Card with all the benefits associated with similar credit cards. Credit limits begin at $5,000 and increase with good credit management and payment history. Replacement of lost or stolen cards, plus 24-hour online account access, makes using your First Citizens Bank Visa Platinum Card easy.
Benefits of this card include:
- Up to $500,000 in travel accident insurance
- Emergency replacement of airline tickets and cash
- Access to cash advances at any ATM that accepts Visa
- BankMiles Travel Program
- QuickPoints Bonus Program
First Citizens Bank Credit Card BankMiles Travel Program
This exciting travel rewards program enables card holders to receive one BankMile for every dollar of net purchases charged to the reward credit card. Cash advances, ATM withdrawals, and purchases requiring a four-digit PIN are not eligible for the program.
Card holders earn $100 award certificates while BankMiles are being accumulated. Five award certificates entitles the card holder to a free round-trip airline ticket to anywhere in the continental U.S. All BankMiles rewards can be redeemed for any destination participating carriers fly to, with no black-out dates or annual earning limits.
As an added incentive, approved card holders receive a 1,500 BankMiles bonus just for signing up for the program.
First Citizens Bank Credit Card QuickPoints Bonus Program
Participation in the QuickPoints program is automatically granted to every consumer approved for a First Citizens Bank credit card. Points are earned at a rate of one point for every dollar in qualifying net purchases. They are redeemed through gift cards issued by the bank according to the following thresholds:
- 2,500 points = $25
- 5,000 points = $50
- 7,500 points = $75
- 10,000 points = $100
To apply online for the First Citizens Bank credit card, applicants must already have an established relationship with the bank. Otherwise, contact them via email or phone and request a paper application be mailed to you.
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