First Citizens Bank Travel Rewards
First Citizens Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Citizens Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The First Citizens Bank Travel Rewards from First Citizens Bank earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $95
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2% back.
What does the First Citizens Bank Travel Rewards earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how First Citizens Bank Travel Rewards compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight flights at 3x among the.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how First Citizens Bank Travel Rewards compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the First Citizens Bank Travel Rewards reward caps and conditions?
The First Citizens Bank Travel Rewards has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 2 points for dining on every $1 spent on qualifying purchases
Who should get the First Citizens Bank Travel Rewards?
The First Citizens Bank Travel Rewards fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back.
First Citizens Bank Travel Rewards fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No foreign transaction fee listed.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
Does the First Citizens Bank Travel Rewards have an annual fee?
The First Citizens Bank Travel Rewards has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
What benefits come with the First Citizens Bank Travel Rewards?
The First Citizens Bank Travel Rewards includes $100 Annual Travel Credit, Booking.com, Cell phone protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Cell phone protection
$7,200/yrWhen you pay your monthly wireless bill with your covered First Citizens credit card, your cell phone is protected for the next calendar month.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
$100 Annual Travel Credit
$120/yrReceive a $120 annual ancillary travel credit that can be applied toward baggage fees, TSA PreCheck® fees, airline club memberships and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Roadside assistance
$50/yrCall on Roadside Dispatch® whenever you're in need of a tow. Assistance is available to eligible First Citizens credit cardholders 24/7 with no membership required.
Credit monitoring
$25/yrTake charge of your credit rating with DOVLY Uplift™, a Visa-backed free credit monitoring service. Dispute credit issues, monitor and track score changes, and more.
Identity protection
$25/yrYour First Citizens credit card includes ID Navigator powered by NortonLifeLock, providing tools so you can act quickly if your identity is threatened.
Porch piracy protection
$25/yrWhen you use your covered First Citizens account for your purchases, your new purchases can be protected against theft from your home or other location.
Related encyclopedia topics
Common questions about the First Citizens Bank Travel Rewards
Where do cardholders spend most with the First Citizens Bank Travel Rewards?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on flights (3x), lodging (3x), other travel (3x) for the First Citizens Bank Travel Rewards. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
How to redeem rewards with First Citizens Rewards cards?
Rewards on the First Citizens Bank Travel Rewards post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
Does the First Citizens Bank Travel Rewards have an annual fee?
The First Citizens Bank Travel Rewards carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the First Citizens Bank Travel Rewards?
Dining is the strongest Madeen category for the First Citizens Bank Travel Rewards at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the First Citizens Bank Travel Rewards charge foreign transaction fees?
The First Citizens Bank Travel Rewards does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the First Citizens Bank Travel Rewards annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the First Citizens Bank Travel Rewards compare to similar cards?
Compare the First Citizens Bank Travel Rewards against First Citizens Bank Premium Rewards Business (3% on Dining, $95 fee); First Citizens Bank Cash Rewards (1.5% on Dining, $0 fee); First Citizens Bank Low-Interest Business (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
First Citizens Bank Travel Rewards This card | Dining | 2% | $95 |
First Citizens Bank | Dining | 3% | $95 |
First Citizens Bank | Dining | 1.5% | $0 |
First Citizens Bank | Dining | 0% | $0 |
First Citizens Bank | Dining | 0% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
First Citizens Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Citizens Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure