How to Apply for the First Citizens Optimum Rewards Credit Card

The optimum rewards card has the best rewards program (1.5 points/$1) of all the First Citizens Bank and Trust Company (FCB) credit cards at a price of $50 or 5000 points. Not only is the APR of this card competitive , it also has the added benefit of online management through the incredibly streamlined and user friendly FCB web portal. If you are looking for a visa which will allow you to capitalize on a potentially lucrative rewards program, this may be the one for you. However if you’re not willing to pay, perhaps consider comparing the other credit possibilities using the table provided below. To apply  you must already have a relationship with this bank so providing that this is indeed the case, scroll down, and we’ll walk you through the application procedure.

first-citizens-bt-apply-1.5The FCB privacy policy should be read before information is entered into their web portal.

How to Apply

Navigate to the optimum rewards card summary page and click on the Apply Now link on the right hand side of your screen.

first-citizens-bt-optimum-apply-1On the following page, you will need to click on the Open Now button to proceed to the application forms.

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

You will need to supply the following personal information:

  • 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

You will need to answer the following:

  • 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

You will need to choose your employment status and fill in the related fields as well as indicate the amount of your primary annual income.

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

To finish, read over the terms and conditions before selecting yes and acknowledging that you both agree to them and that the information given in this application is correct.