The First Citizens Cash Rewards Platinum Visa & Rewards Platinum Visa is a personal credit card from First Citizens Cash Rewards Platinum Visa & Rewards Platinum Visa. Application typically pulls a hard report from Experian. The annual fee is $0 annual fee. The ongoing APR is variable purchase rate of 16.49% to 25.49% based on creditworthiness after a 0% intro APR introductory rate for 12 months. Approval typically requires a credit score of 650-700 or higher. Rewards: Earn 3 points on fuel and select streaming services, 2 points on grocery and drugstore purchases, and 1 point on other everyday purchases. Cash back: 1% on other everyday purchases, 2 points on grocery and drugstore purchases, 3 points on fuel and select streaming services. This product reports activity to your personal credit report. Great for blending a 0% APR period with everyday rewards—choose cashback or points depending on your strategy. Fifth Third Bank 1% Cash Back Card. BT Fee: $5 or 3%, whichever is greater. Post-intro APR: ○ Rewards Platinum: 17.49%–27.49% variable ○ Cash Rewards Platinum: 18.49%–27.74% variable