First Citizens Bank Consumer CC ALL T&C Q2

First Citizens Bank Consumer CC ALL T&C Q2 2025, as filed by First-Citizens Bank & Trust, carries a purchase APR of 14.24%–23.24%, no annual fee and a 12-month 0% opening period. That purchase rate ranks near the 55th percentile across this corpus of 4,587 filings.

What the document actually states

First-Citizens Bank & Trust filed this agreement for First Citizens Bank Consumer CC ALL T&C Q2 2025 with the Consumer Financial Protection Bureau. It is issued on the Visa network and the filing runs 14 pages.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a penalty rate and a grace period.

This document discloses several products inside a single rate table. That means the numbers below are the ones the table contains, not necessarily the ones attached to this particular card — the filing itself is the only way to tell them apart.

The promotional period

This agreement opens at 0% for 12 months, the only period in the document where carrying a balance is free.

About 458 agreements in this corpus carry a zero-percent opening rate; this is one of them.

Behind the promotion sits a 23.24% purchase rate. On $2,000 that is in the region of $523 a year once the window closes.

The promotional window is therefore worth something on the order of $523 on $2,000, measured against the same balance priced at the standard rate for the same period.

Where the purchase APR sits

The purchase APR is quoted as a range of 14.24% to 23.24%. That 9-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

The floor of that band sits at about the 28th percentile of filed purchase rates; the ceiling sits at about the 55th. In corpus terms the same card can be cheap or expensive depending on how it is priced.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

What the rate means in dollars

Carry $1,500 on this card for a year without paying it down and the purchase rate alone generates roughly $392 in interest.

A card priced at the corpus median of 21.99% would charge roughly $369 on that balance. This one charges about $23 more per year.

Per statement cycle that is on the order of $28.92 on $1,500, which is the number that actually shows up on a bill.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Penalty pricing and late fees

Late payments are capped at $39 under this filing, about the 63rd percentile of late fee maximums in the corpus.

Fees, and what triggers them

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Taking cash against the card means a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 26.24%. That is 3 points above the purchase rate. The two halves of that fee cross at about $200: below it the flat $10 applies, above it the percentage does.

The transfer fee is $5 or 3% of the amount transferred, whichever is greater; transferred balances then run at 26.24%. Transferring $5,000 would cost roughly $150 at the door.

Spending abroad costs an extra 3% — about $45 on $1,500 of purchases, independent of interest.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

The no-interest path

Where interest applies at all, the filing bills at least $1. On a tiny balance that floor can dwarf the rate itself.

Inside First-Citizens Bank & Trust's filed lineup

6 separate First-Citizens Bank & Trust filings appear in the corpus. The issuer's own range is 22.49%–26.24%. At 23.24%, this agreement is dearer than 1 of its siblings.

The limits of this document

The disclosure parsed here does not state a grace period and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Where the authority sits

This summary stands or falls on the linked PDF — 14 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

23.24% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing. The multi-product table is the larger caveat: these numbers are the table's, not necessarily this card's.