First Citizens Rewards Visa Accelerate Your Earnings Card Review

Who is the First Citizens Rewards Visa Accelerate Your Earnings Card for?

The First Citizens Rewards Visa Accelerate Your Earnings Card is convenient for people looking for a simple rewards program that covers a variety of needs, like travel and shopping. With no expiration or cap on rewards points, cardholders can earn 1.5 points per dollar on all purchases. This straightforward rewards program makes it easy for cardmembers to earn rewards without having to keep track of various rewards categories.

This card is a good entry-level card for people looking to keep one card for their wallet, as this credit card gives rewards on all purchases. However, a good credit score is recommended to obtain this card. This makes the First Citizens Rewards card good for cardholders transitioning from secured accounts to an unsecured account.

Also, this card does come with a $50 annual fee and a 2% foreign transaction fee, so frequent travelers should consider that when deciding to get this card. This card lacks a robust travel rewards program in comparison to other credit cards and is best used by people who don’t travel often.

Signup Bonus

As a signup bonus to new members, First Citizens offers 2,500 bonus points offer after enrollment for the card. This offer is estimated to have a value of $25, which is not that much when compared to other signup bonuses. While this signup bonus may seem like a lot, it does offer greater flexibility to cardholders because they don’t need to spend a certain amount to activate the signup bonus. Instead, cardholders can enjoy the 2,500 bonus points right after signing up. This signup bonus also covers half of the annual fee cardholders incur during the first year.

Rewards

The First Citizens Rewards Visa Card offers 1.5 points per dollar on all purchases. This is beneficial to new credit card owners as they don’t have to keep track of various spending categories and their respective cashback rewards rate. Also, there isn’t a cap on the amount that owners can earn through the rewards program. So, you can enjoy all the benefits of this card without ever needing to worry about reaching a limit on your rewards! This feature is especially beneficial for heavy shoppers since they can spend and continue to get rewarded. 

First-Citizens also allows friends and family members to pool their rewards points together for access to bigger and better rewards. Rewards points can be redeemed for: 

• Merchandise and gift cards
• Credit for airfare
• Cash back
• Donation to a participating charity
• Statement credit

Generally, rewards points are estimated to be worth $0.01, so 100 points are worth $1. As a result, if cardholders earn 5,000 points throughout the year, they can use their points to pay off the annual fee.

Cardholders can monitor their points anytime from their phone, tablet, or computer through the First Citizens Bank website. 

Benefits

In addition to a decent signup bonus offer, cardholders also enjoy an introductory 0% APR on balance transfers. Through this feature, customers can transfer funds from other accounts to their First Citizens Card account without facing annoying fees. 

The rewards points earned by cardmembers are also added to their account daily. This means that they don’t need to wait until the end of the month to use their rewards points, but rather they can use it immediately. For people looking for a rewards program with flexible and easy redemption methods, the First Citizens Rewards Visa Card is worth considering.

By booking through the First Citizens entertainment portal, cardholders also receive access to exclusive tickets for concerts, sports events, and certain travel experiences. So, whether cheering next to the dugout at Fenway Park or singing alongside their favorite band, cardholders can enjoy a variety of experiences thanks to the First Citizens Card.

Services and Protections

The First Citizens Rewards Visa Card is compatible with digital wallet apps like Apple Pay, Google Pay, and Samsung Pay. This feature makes it easy for customers to pay with their First Citizens Card hassle-free.

Additionally, a support hotline is available 24/7 to help customers with any suspicious activity or questions they may have regarding their card account. If customers believe their information is at risk for identity theft or that an incorrect purchase appeared on their monthly statement, they can contact the First Citizens support hotline at any time of the day to receive help.

Since this card is issued by Visa, cardholders have access to extended warranty protection on certain purchases and cellular telephone protection, which insures against damages or theft. When traveling, cardmembers can also contact emergency support in case of illness, legal troubles, or other incidents.

Conclusion

The First Citizens Rewards Visa Accelerate Your Earnings Card is a good one-card-fits-all for your wallet that covers a variety of shopping and travel needs. This card is equipped with a good signup bonus and a straightforward 1.5x points earned on all purchases. With no cap or expiration on rewards points, heavy shoppers don’t need to worry about running out of rewards points. This card does come with an annual fee of $50, but cardholders can use their rewards points to pay for a portion of the fee. For a simple and easy card to use, consider using the First Citizens Rewards Visa Accelerate Your Earnings Card.