First Citizens Bank Consumer CC ALL T&C Q4

First-Citizens Bank & Trust's filed agreement for First Citizens Bank Consumer CC ALL T&C Q4 2024 discloses 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 agreement puts on the record

First-Citizens Bank & Trust filed this agreement for First Citizens Bank Consumer CC ALL T&C Q4 2024 with the Consumer Financial Protection Bureau. The filing runs 14 pages, and It is issued on the Visa network.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. A penalty rate and a grace period are not stated.

The filing bundles multiple products into one disclosure table. Any figure quoted here may describe a related card in the same filing, so the PDF should be read before treating these numbers as this card's own.

The interest-free window

A 12-month promotional period at 0% is on the record here — during it, qualifying balances cost nothing to carry.

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

What matters more than the promotion is the rate waiting behind it: 23.24%. A $2,500 balance that survives the promotional window costs roughly $654 a year from that point on.

The promotional window is therefore worth something on the order of $654 on $2,500, measured against the same balance priced at the standard rate for the same period.

Where the purchase APR sits

Rather than a single purchase rate, the document gives a band — 14.24% at the bottom, 23.24% at the top, 9 points wide. The agreement discloses the range without disclosing how an account is placed within it.

Read against the index, the low end ranks around the 28th percentile and the high end around the 55th — the band straddles a wide stretch of the market this corpus describes.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

What a balance actually costs

The purchase rate turns a $5,000 revolving balance into roughly $1,308 of annual interest.

Against the corpus median of 21.99%, that is approximately $78 a year of extra interest on the same $5,000.

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.

Where the fees are

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

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.

Moving a balance onto this card carries an up-front charge of $5 or 3% of the amount transferred, whichever is greater, with the transferred balance priced at 26.24%. Shifting $2,000 across attracts something like $60 in fees on day one.

The filing sets a 3% foreign transaction fee, which adds roughly $90 to $3,000 spent outside the United States.

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

What a missed payment costs

On the fee side, a late payment can cost up to $39, which is around the 63rd percentile here.

The grace period

The $1 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

Against the rest of First-Citizens Bank & Trust's filings

This is one of 6 First-Citizens Bank & Trust agreements collected here. Across that lineup purchase rates span 22.49% to 26.24%; this filing's 23.24% sits above 1 of the comparable ones.

What the filing does not tell you

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.

Reading the agreement yourself

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

At 23.24% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. The multi-product table is the larger caveat: these numbers are the table's, not necessarily this card's.