The First Citizens Bank is a personal credit card from First Citizens Bank. The annual fee is $95 annual fee, waived the first year. The ongoing APR is Variable purchase rate 16.49% to 25.49% based on creditworthiness after a 0% intro APR on balance transfers for first 12 months introductory rate for 12 months. Rewards: 3 points for travel, 2 points for dining and 1.5 points for every $1 spent on qualifying purchases. This product reports activity to your personal credit report.