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Preferred Branch

Mason City (641)423-1600 Change Location

Your Preferred Branch

Mason City Change Location

2601 4th Street SW
Mason City, IA 50401

Tel.(641)423-1600

Hours
Monday-Thursday: 9:00am - 4:00pm
Friday: 9:00am - 5:00pm
Sat: 9:00am - 12:00pm
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  • Charles City Branch
    300 North Main Street - Charles City

  • Clarion Branch
    315 Central Avenue East - Clarion

  • Kanawha Branch
    220 North Main Street - Kanawha

  • Latimer Branch
    119 North Akir Street - Latimer

  • Mason City State Street Branch
    33 East State Street - Mason City

  • Mason City West Branch
    2601 4th Street SW - Mason City

  • Mora Branch
    730 Forest Ave East - Mora

  • New Hampton Branch
    124 West Main Street - New Hampton

  • Osage Branch
    501 Main Street - Osage

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Home Blog Thinking of Getting A Credit Card from First Citizens Bank?

Thinking of Getting A Credit Card from First Citizens Bank?

A credit card may seem like just another tool to help you make purchases, but it can be much more. When used responsibly, a credit card can help you build a good credit history. This could allow you to get loans at favorable interest rates, insurance with lower premiums, or better pricing with a cellular plan.

The use of a credit card is directly connected to your credit score, the report card for borrowers. The responsible way you handle your credit card is recorded in your credit history for lenders to review. Your high score in that credit report shows how creditworthy you are, that you pay your bills on time, and you spend conservatively.

A credit card can also help you budget expenses each month, provided you pay your bill in full every time. If you do, your bill then acts as a master receipt that displays an itemized listing of what you spent your money on.

If you can manage your money responsibly, a credit card can be a very useful addition to your life. You could even earn rewards! First Citizens offers two Visa credit card options to choose from: a Visa® Platinum Rewards Credit Card (earn points for merchandise, travel and more) or a Visa® Platinum Cash Rewards Credit Card (earn 1% cash back on purchases).

Retractable COB LED LanternAs a gift, apply by April 30th for either credit card and receive an LED Lantern* FREE! Apply today by clicking here or stop in to the First Citizens location nearest you for an application.

*Gift available while supplies last and limited to one per customer. Complete credit card application must be submitted in bank or online to obtain gift. If application is submitted online, customer must bring online application confirmation page to bank in order to receive gift. Gift will be awarded in bank immediately upon submitting the application or showing online application confirmation page. Credit cards are subject to review and approval. Credit card approval is not required to obtain gift. Account terms, rates and fees are subject to change. Cards are issued by TCM Bank, N.A.

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