THE CARDTUNED DATABASE
First Citizens Smart Option Credit Card
Issuer: First Citizens Bank · Network: Visa
No rewards
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- 0% balance-transfer APR for first 12 months
- Regular APR
- 13.49%–22.49% variable APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Additional benefits
• Lowest-rate First Citizens consumer card
• 0% balance-transfer APR for 12 months
• 13.49%–22.49% variable APR after the intro period
• Visa acceptance and cardholder benefits
• Mobile card controls and fraud protection
Restrictions to know
This card does not earn rewards. Balance transfers must occur within 90 days to receive 0% APR for 12 months and cost the greater of $5 or 3%. Foreign transactions cost 3%; after the intro period the regular variable APR applies.
Who can apply
First Citizens eligibility and underwriting apply.
Credit profile: Not Public / issuer underwriting applies