Tag: credits cards for travelers

First Citizens Travel Rewards Visa: The Ultimate Travel Companion

The First Citizens Travel Rewards Visa, issued by First Citizens Bank, is a premium travel rewards credit card designed for frequent travelers. This versatile card stands out in the crowded credit card market by offering a generous rewards program, no annual fee, and a suite of benefits that cater to the traveler’s needs.

Card Type

The First Citizens Travel Rewards Visa is a travel rewards card. This means cardholders can earn points for every dollar spent, which can be redeemed for a variety of travel-related expenses. Whether you are booking flights, hotel stays, or other travel purchases, this card enhances your travel experience while providing valuable rewards.

Annual Fee

One of the attractive features of the First Citizens Travel Rewards Visa is that it comes with no annual fee. This makes it an appealing option for those looking to maximize their rewards without incurring extra costs.

Rewards Program

This card offers an enticing rewards structure that allows users to earn 3x points on travel purchases and 1x points on all other purchases. Points can be redeemed for flight and hotel bookings, car rentals, and other travel expenses, giving cardholders flexibility in how they use their rewards. Additionally, the points can be redeemed through the First Citizens Bank rewards portal or through select travel partners.

Sign-Up Bonus

New cardholders can take advantage of a generous sign-up bonus. When you spend $3,000 in the first three months from account opening, you earn 30,000 bonus points. This bonus can translate to significant savings on your next vacation or travel-related purchases.

APR (Annual Percentage Rate)

The First Citizens Travel Rewards Visa features a competitive regular APR of 15.99%-24.99%, depending on your creditworthiness. Additionally, it may offer 0% introductory APR on purchases for the first 12 months, providing you with the opportunity to finance travel expenses without accruing interest during this period.

Foreign Transaction Fees

This card is particularly beneficial for international travelers as it does not impose foreign transaction fees. This means you can use the card abroad without worrying about additional charges on your purchases.

Balance Transfer Options

The First Citizens Travel Rewards Visa offers a balance transfer option with a 0% introductory APR for the first 12 months, followed by a regular APR of 15.99%-24.99%. This feature is ideal for those looking to consolidate high-interest debt without incurring hefty fees.

Additional Fees

Cardholders should be aware of other potential fees associated with the First Citizens Travel Rewards Visa. Late payments can incur a fee of up to $39, while cash advances may come with a fee of 5% of the amount, with a minimum of $10.

Card Benefits and Perks

This card goes beyond basic rewards by offering a range of benefits and perks. Cardholders gain access to travel insurance, rental car insurance, and concierge services, ensuring peace of mind while traveling. Additionally, enjoy benefits like trip cancellation insurance and protections for lost luggage.

Customer Protections and Insurance

The First Citizens Travel Rewards Visa offers robust customer protections, including $0 fraud liability, purchase protection for eligible items, and extended warranty benefits on items purchased with the card. Travelers will also appreciate the rental car insurance that can cover theft or collision while using the card for the rental.

Eligibility and Credit Score Requirements

To qualify for the First Citizens Travel Rewards Visa, applicants should aim for a credit score in the range of good to excellent. While the card is accessible, having a solid credit history will improve your chances of approval.

Introductory Offers

The card shines with its introductory offer of 0% APR on purchases for the first 12 months. This introductory period allows cardholders to make significant travel purchases without accruing interest.

Special Features or Unique Selling Points

Beyond standard rewards, this card offers unique features like free nights at select hotels and opportunities for exclusive events. Cardholders may also benefit from added rewards during promotional times, making it a compelling option for travelers who frequently visit certain destinations.

How to Apply

Applying for the First Citizens Travel Rewards Visa is seamless. Prospective cardholders can ‘>applying for the First Citizens Travel Rewards Visa today. For more financial insights, visit UpCube.net.