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: 3 points per $1 on gas and select streaming services, 2 points on grocery and drugstore purchases, 1 point on other everyday purchases. This product reports activity to your personal credit report.