Bank Rewards

What if you had a card that gave you the ability to redeem points for what you want when you want it? How would you feel if those points could be redeemed for travel, experiences, gift cards to restaurants, retail and merchandise stores, donations, or even for cash back?

With the First Bank One Rewards Program, you can redeem points whenever you want. Our First Bank Platinum Card and Mastercard^® Business Card with Rewards let you get the most out of qualified purchases with a generous rewards program.

Here’s how it works:

Use your credit card wherever you go and earn points for every dollar spent on qualified purchases.
Let the points pile up, then use our rewards calculator to determine your earnings.
Learn more about how you can redeem your earnings.

How do you earn rewards each month?

$

Your calculated points earnings:

Monthly

Yearly

Log In Learn More

First Bank One Rewards: What You Need to Know

Here’s everything you need to know about the First Bank One Rewards Program:

Participation is free and available for First Bank Platinum Rewards and Mastercard^® Business Card with Rewards.
Points can be earned for life’s everyday purchases such as gas, groceries, utility bills, tuition, and more. There is never a limit on the amount of points you can earn.
Share your points with friends and family using Point Gifting.

What can you redeem your First Bank One Rewards points for?

Gift cards to restaurants such as Applebee’s^®, The Cheesecake Factory^®, and Outback Steakhouse^®
Gift cards to retail stores like Amazon, Apple, and Starbucks
Merchandise like electronics, jewelry, kitchen accessories, and outdoor recreation gear
Travel costs such as flights, rental cars, hotels, and cruises
Unique experiences, like skydiving, whitewater rafting, or hang-gliding lessons
Donate points to charitable organizations
Turn your rewards points into cash when you choose the Cash Back option
Use Real-Time Rewards to pay at the pump with participating gas stations

Start Earning Your Rewards.

With First Bank, your purchases don’t stop at the register. Sign up for a First Bank card today to start enjoying the rewards. Visit your local branch to learn more or to get started today.

^*Loans subject to credit approval. ® Mastercard. Mastercard, Debit Mastercard, and the Mastercard brand marks are trademarks of Mastercard International Incorporated.

Share:

Sign up for our newsletter and be the first to know about new tips, insights, and products from First Bank.

First Bank may use this email address to contact you about products, services, and promotions.

You may be interested in...

How to Avoid a Scam: 5 Essential Steps to Protect Yourself 1. Block Unwanted Calls and Text Messages One of the most common tactics scammers use is impersonation. They may claim to represent government agencies like the IRS, Social Security Administration, or Medicare, or pose as trusted businesses, charities, or utilities. These fraudsters often manipulate caller ID to display fake names and numbers, making it seem legitimate. To minimize risk: Use tools provided by your phone carrier or third-party apps to block unwanted calls and messages. Be cautious of unsolicited communication, even if it seems familiar. 2. Protect Personal and Financial Information Scammers thrive on obtaining sensitive information through deception. Whether they claim you owe money, have won a prize, or face an urgent issue, their goal is the same: to access your details. Here’s how to avoid their traps: Never share personal or financial information in response to an unexpected request. Verify the legitimacy of any claims by contacting the organization directly using official channels. 3. Resist the Pressure to Act Immediately Scammers rely on urgency to cloud your judgment. They might demand immediate action, threaten legal consequences, or warn of impending disaster. This pressure is designed to prevent you from thinking critically. Stay safe by: Taking a moment to breathe and assess the situation. Refusing to make hasty decisions, no matter how alarming their claims may seem. 4. Recognize Suspicious Payment Requests Fraudsters often demand payment through unconventional and hard-to-trace methods like cryptocurrency, gift cards, or wire transfers. These requests are major red flags. Protect yourself by: Questioning any payment request that feels unusual or overly complicated. Refusing to share gift card numbers or send money through untraceable means. 5. Talk to Someone You Trust Scammers count on their victims feeling isolated and uncertain. Breaking their spell is often as simple as confiding in someone you trust. Here’s why it helps: Explaining the situation out loud can help you see inconsistencies in their story. Friends, family, or neighbors can provide valuable advice or reassurance. Empower Yourself Against Scams Scammers prey on fear and confusion, but with the right knowledge and habits, you can protect yourself and your finances. By blocking unwanted calls, safeguarding your personal information, resisting high-pressure tactics, recognizing suspicious payment methods, and seeking trusted advice, you can stay one step ahead. Your security matters, and we’re here to help. If you ever suspect fraudulent activity, don’t hesitate to reach out to the First Bank customer support center at 1-866-792-4357. Together, we can ensure your financial safety. 3 min read

Money Mule Scams: How Criminals Convert Fraud into Profit What is a Money Mule? Money mules are individuals who unknowingly or knowingly assist criminals in laundering money, often by transferring illegally sourced funds between accounts or across borders. The source of the money comes from fraudulent scams or other illegal activities like drug trafficking. Criminals use their mule’s identity and layer the illegal transactions in an attempt to hide the illegal funds from law enforcement. Once properly hidden, the criminals are able to access their funds and cash out on their illegal activity. Common Money Mule Scams There are a number of ways that criminals will try to hide their money from law enforcement. Money mules are a form of money laundering, where criminals attempt to make their illegally sourced funds seem legitimate. Here are a few common ways people can unknowingly fall victim to money mule scams. 1- Deceptive Job Offers Money mule scammers will act as employers offering high-paying, remote positions. Common job titles could be payment processor, financial coordinator, or international fund liaison. While these job opportunities seem legitimate, their primary function is to receive and transfer illegal funds. The criminal will wire a large sum of funds to the mule, then instruct them to keep a percentage and transfer the remainder of the money to a different account or purchase a certain amount of cryptocurrency. The criminal hides behind their mule’s identity and is able to more easily access their funds. 2 – Romance Scams This type of mule scam exploits a victim’s emotions and trust. Scammers will find their victims on social media sites, dating sites or other online chat channels. They will deceive their victims with made up personas often using stolen photos and fake details. Over time, the scammer will attempt to build an emotional connection by sending affectionate messages or personal stories. Once they feel they have earned the victim’s trust, they will fabricate a story requiring financial assistance. These are oftentimes medical emergencies or travel issues that need quick funding into an account. Once the scammer has convinced their victim to oblige, they will continue to exploit their trust to launder their illegal funds. 3 – Lottery, Prize, and Investment Scams If something seems too good to be true – it probably is. These scams typically start via an unsolicited message or phone call informing you that you’ve won a prize. They instruct their victims to take a number of steps before they can claim their prize, and that is where the danger lies. These steps could include gathering your personal details, wiring a “prize tax” or fraudulent fee, accepting a large sum of money, and/or transferring a portion of the winning funds to another account. Similarly, investment scammers typically promise their mule victims “return” for their illegal money transfers – sometimes in the form of cryptocurrency or percentages of the money they wire. What are the Consequences? Large overdraft balances are most often the first consequence to the money mule. Once the criminal has access to their mule’s account, they typically push a large lump sum out of the account. This amount oftentimes will exceed the typical balance in the mule’s account, leaving them with a substantial negative balance to dig out from. Acting as a money mule is illegal, whether the crime is knowing or unknowingly committed. The punishment for these crimes include imprisonment and federal charges. Additionally, your identity and personal information could be stolen from the criminals involved in the money mule scheme. Internet Crime Complaint Center (IC3): The IC3 is run by the FBI and accepts online internet crime complaints from the victim at www.ic3.gov How to Protect Yourself As with most methods of protecting yourself against fraud – remain cautious whenever someone requests your personal information or banking information. Only share those details with people or organizations that you trust. If you receive a job offer from an online business, do your due diligence to confirm they are a legitimate company. Additionally, a legitimate employer will not ask you to form a company or open a new bank account on their behalf. Always be cautious if anyone asks you to wire or transfer money on their behalf. Be weary if something seems too good to be true, like you’ve won an unsolicited prize or been chosen to participate in a giveaway. Scammers act on urgency. If someone is pressuring you to do something that you’re uncomfortable with, walk away. If you or someone you know is afraid they are involved in a money mule scheme, it’s not too late to stop. Stop communicating with the person giving the directions. Tell your financial institution and consider changing accounts. Report suspicious communications or activity to law enforcement. The Internet Crime Complaint Center (IC3) is the Nation’s central hub for reporting cyber crime and run by the FBI. Visit www.ic3.gov for resources and more information about how to file a report. Maintain receipts, contact information and communications (emails, text messages, voicemails) so that information can be passed to law enforcement, if needed. 5 min read

How Your Healthy-Eating Resolution Saves Calories and Money To get tips on mindful eating and spending, we talked with Jessica Thiefels, a full-time blogger and ACE Certified Personal Trainer, as well as an NASM Certified Fitness Nutrition specialist and the owner of her own personal training business, Honest Body Fitness in San Diego. If you made a resolution to eat healthier this year and need a boost to keep going, get excited because it turns out you’ll save a lot more than a few extra calories. You Eat Out Less Often The top expense for most people is eating out. In fact, 2014 data reveals the average American spends $232 per month eating food prepared outside the house. When eating healthy, however, a restaurant is the worst place to be. With no idea of how much salt, butter, dairy, and oil goes into a dish, you could be eating double or triple the amount of fat you should have in one day. You soon come to realize that eating in is not only less stressful because you control the ingredients and portions, but that it’s saving you hundreds of dollars a month. Planned Eating Cuts Down on Food Expenses When eating healthy, it’s important to plan your meals and snacks in advance so that when your 3 pm craving rolls around, you can reach into your trusty stash of almonds nearby to avoid hunting for sweets instead. This healthy eating strategy helps you save at the grocery store. When you know what you need, you can buy just that. All too often we buy more than is necessary and end up tossing it. This is a nationwide problem, with 40% of food in the United States going uneaten. This means we throw away the equivalent of $165 billion dollars each year, according to the National Resources Defense Council. By planning your healthy meals for the week, you waste less and save more. Vegetables Are Versatile Vegetables are not only some of the cheapest items in the grocery store, but they can be used in so many ways. Save money and time by buying them when they’re fresh and freezing some for future meals, or by simply buying them frozen to begin with. “Frozen vegetables are a lifesaver and can 4 min read

Get Stress-Free Banking in NC with a Savings Account at First Bank We can likely agree that complicated savings accounts aren’t fun to deal with. Hidden costs and technicalities can cause unwanted anxiety and stress. That’s why First Bank has a number of stress-free savings accounts in North Carolina. Open a Stress-Free Savings Account with First Bank While other banks cause headaches for their customers, here’s how First Bank provides a breath of fresh air with Everywhere Savings, our most basic and stress-free savings account: Ability to avoid monthly maintenance fees. By simply maintaining at least a $300 daily balance you can avoid any monthly maintenance fees.* No minimum balance to earn interest. Accumulate interest so if your balance takes a dip, your future doesn’t have to. Free online and mobile banking. You won’t accrue any First Bank fees for accessing your account from a smartphone or tablet.** Free monthly statements. Receive paper or emailed statements each month free of charge. Free account alerts. First Bank won’t charge you for phone call, text message or email notifications alerting you of your account activity. Free withdrawals. Utilize two free withdrawals per month from your Everywhere Savings account.*** The Convenience of a Stress-Free Savings Account Charges and fees are just one way of depositing stress into a savings account. At First Bank, we eliminate stress through our convenience. With over 100 locations in North Carolina and South Carolina, we provide the knowledge and resources you need to make big financial decisions. Open a savings account today by visiting one of our North Carolina locations. *Account holders may avoid the Monthly Maintenance Fee by meeting any of the requirements listed in the Keep it Fee FreeTM section of the account summary table for their account type. Other account service fees may apply as described in the Account Services Fee Schedule available on our website at fees or at your local branch. **While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. ——— Sources: Investopedia: http://www.investopedia.com/terms/i/interest.asp?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186 ***Federal regulations limit withdrawals or preauthorized transfers to six (6) per month, including checks, drafts, online transfers, telephone transfers and debit card purchases. You may conduct an unlimited number of withdrawals at the ATM, in person at a branch, or by mail when the check 3 min read

Ready to talk to an expert?

First Bank One Rewards: What You Need to Know

Here’s everything you need to know about the First Bank One Rewards Program:

What can you redeem your First Bank One Rewards points for?

Start Earning Your Rewards.

Ready to talk to an expert?

You may be interested in...