First Citizens Bank Credit Cards | Personal | Business

First Citizens Bank offers multiple credit cards to both personal and business account holders. An overview of the personal credit card offers can be viewed on this webpage, more information regarding the various business credit/financing options offered by First Citizens Bank can be viewed here.

Personal Credit Cards

Business Credit Cards

Optimum Rewards

How to Apply

Personal credit cards can be applied for either online or at a branch location. Business cards must be applied for in person, at a branch location. For more information regarding the application process and requirements, get in touch with a customer service representative at (1-888-323-4732), 7:00 AM to 7:00 PM (eastern time), Monday through Friday.

Online Application

To being the online application process one of the personal credit card offers, go to the credit card overview webpage, and click on the ‘Apply Now’ button under the card that you wish to apply for. Once the ‘Apply Now’ button has been clicked, you will be transferred to the first webpage of the application process. Select whether or not you are an existing customer of First Citizens Bank (note: you must have an existing banking relationship with First Citizens in order to apply for a credit card), and if this is a joint application. The rest of the application form will automatically load (a screenshot of the application form is below). Fill out the following listed information, and then click the ‘continue’ button to finish the application process.

    Application screenshot

    Application screenshot

  • Full name
  • Physical address
  • City
  • State
  • ZIP code
  • Mailing address
  • Email address
  • Phone number
  • SSN
  • DOB
  • Mother’s maiden name
  • Length of time at current address
  • Select which type of housing
  • Monthly housing payment
  • Previous address
  • City
  • State
  • ZIP code
  • Length of time at last address
  • Employment status
  • Employer
  • Address of employer
  • City
  • State
  • ZIP code
  • Work number
  • Occupation
  • Length of employment with current employer
  • Annual income amount

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