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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Credit Card

Get the credit card you deserve from the bank you love.

 

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First Citizens National Bank offers several types of personal and business credit cards with features from rewards and bonus points to low introductory interest rates for paying off debt.

Visa® Platinum Card

  • No annual fee.
  • The best introductory offer!
  • Save on interest and pay down other credit card balances faster.

 

Visa® Bonus Rewards Plus Card

  • $50 annual fee (Appx. 5,000 pt. equivalent).
  • Earn 1 point for every net $1 you spend.
  • Get a 50% bonus on all earned every month, automatically.
  • No caps or limits on the points card members can earn.
  • $50 cash back with your first purchase.
  • Redemption starts at 2,500 points for $25 cash back, or redeem 25,000 points for round-trip airfare up to $325.

 

Visa® Bonus Rewards Card

  • No annual fee.
  • Earn 1 point for every net $1 you spend.
  • Get a 25% bonus on all earned every month, automatically.
  • No caps or limits on the points card members can earn.
  • $25 cash back with your first purchase.
  • Redemption starts at 2,500 points for $25 cash back, or redeem 25,000 points for round-trip airfare up to $325. 

 

Secured Visa® Card

  • $35 annual fee.
  • Excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card in the past.
  • Open a savings account that is pledged as a security for your credit card account.
  • Merchants and retailers won't know your card is secured when you use it to make purchases.

 

Cash Rewards American Express® Card

  • No annual fee.
  • Earn 3% cash back on the first $6000 spent during each 12 month period commencing on the anniversary date of the account.
  • Earn 2% cash back on supermarket purchases.
  • Earn 1% on all other purchases.
  • $25 cash back bonus after first purchase.

 

Travel Rewards American Express® Card

  • $95 annual fee.
  • Earn 3 points per $1 spent on airline purchases.
  • Earn 2 points for every $1 spent on hotel and restaurant purchases. 
  • Earn 1 point per $1 spent of all other purchases.
  • 7,500 bonus points awarded after first purchase, redeemable for $75 cash back, merchandise, gift cards or travel savings.
  • Travel starting at just 25,000 points for a ticket up to $325.
  • Domestic Air Savings Program.
  • No foreign transaction fees. 

What our
customers say

I highly, highly recommend First Citizens. The service is just that GOOD.

– First Citizens National Bank customer