Credit Card Rewards Calculator

Premium Rewards Rewards Cash Rewards
Annual Rewards Earned
Annual Points Earned
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Average Rewards Value
Premium Rewards Rewards Cash Rewards
3 points per $1 spent on restaurants, travel and advertising1 3 points per $1 spent on gas1 5% cash back on utilities and wireless phone for first 12 months; 3% thereafter1
1.5 points per $1 spent on all other purchases2 2 points per $1 spent on restaurants and travel1 2% cash back on gas and office supplies1
1 point per $1 spent on all other purchases2 1% cash back on all other purchases2

1Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.

2Purchases are defined as gross retail purchases less any returns or credits.

The accuracy of this calculator is not guaranteed by First Citizens Bank [or its affiliates] and is intended for informational purposes only. The calculator displayed does not constitute the advice of, or reflect actual products, services, rates and/or terms available from First Citizens Bank [or its affiliates] and nothing contained in the calculator shall constitute an offer or solicitation of a product or service by First Citizens Bank [or its affiliates].