The First Citizens Bank is a personal credit card from First Citizens Bank. The annual fee is $0. The ongoing APR is 16.49% to 25.49% variable, based on creditworthiness after a 0% intro APR on balance transfers made within the first 90 days (12 billing cycles) introductory rate for 12 months. Rewards: 1.5% unlimited cash back on all purchases. This product reports activity to your personal credit report.