How to Apply for the First Citizen Cash Back Credit Card


The First Citizen Cash Back Rewards Visa Credit Card is a very standard example of a card of this classification. It offers a 1% cash back per dollar spent rewards program, has a very flexible APR to allow eligibility for almost anyone and it demands no annual fee. What sets this particular visa apart from the rest is the wonderful online portal that First Citizen Bank (FCB) has provided in which your online banking can be accomplished. To have access to either however, you must already have an account open with FCB. If this is the case, we’ve supplied a guide below to help navigate you through the application forms necessary for credit card acquisition.

We highly recommend reviewing the privacy policy before entering in personal or financial data onto their website.

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How to Apply

To access the application forms, navigate to the cash back rewards card summary page and click on the Apply Now then on the Open Now link on the following.

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first-citizens-bt-optimum-apply-2Step 1-Personal Information

This personal information will be required to start the application process:

  • Full Name
  • Email Address
  • Physical Address
  • Phone Number
  • SSN
  • Date of Birth
  • Mother’s Maiden Name
  • Do you, an immediate family member or close associate, hold or have held a senior foreign political position Y/N?
  • Have you, or a family member, ever been associated with an embassy or foreign consulate Y/N?

first-citizens-bt-optimum-apply-3Step 2- Housing Information

This is what you will need to provide under housing information:

  • Time at current address
  • Rent/Own/Other ?
  • Monthly Housing Payment
  • Mailing Address (if different)
  • Time at previous address
  • Previous address

first-citizens-bt-optimum-apply-5Step 3-Employment information

Select the employment status that best describes your current situation and fill in the supplied fields.

first-citizens-bt-optimum-apply-6Step 4-Disclosures

Read through the terms and conditions and make sure you agree to them before checking off the box and clicking Submit.That’s all!

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