First Citizens Rewards Credit Card | Reviews

CARD OVERVIEW

The First Citizens Rewards Credit Card is a fairly straightforward everyday points card that focuses on simplicity rather than flashy perks. It earns bonus points in common spending categories like gas, groceries, and streaming, and keeps things attractive with a $0 annual fee. There’s no big headline welcome bonus or premium travel benefits—just a steady rewards structure designed for day-to-day use.

Most users say they like how easy it is to earn points without tracking rotating categories, and many reviewers mention that the redemption options (cash back, travel, gift cards, or statement credit) are flexible and uncomplicated. Cardholders also tend to appreciate the lack of an annual fee and the fact that it works well as a “set it and forget it” rewards card.

On the downside, common complaints include the absence of a strong signup bonus, and some users feel the rewards rates are solid but not competitive with top-tier 2% flat cash-back cards. Others note that it doesn’t really stand out in a crowded market of rewards cards, especially for frequent travelers or heavy spenders.

From my perspective, it’s a decent starter or everyday spending card for people who want simple points without fees or complexity. But if you’re optimizing for maximum cash back or premium travel perks, there are stronger options available elsewhere.