First Citizens Smart Option® Visa® Card

First Citizens Smart Option® Visa® Card
Purchases Intro APR:
Balance Transfers:
0% for 12 months
Regular APR:
9.24% - 20.24% (variable)
Annual Fee:
No annual fee
Credit Needed:
Excellent / Good
$0 Fraud Liability: 

Only Takes 2 Minutes

Instant & Secure Online Approval Process

  • No annual fee
  • Our lowest available interest rate
  • Account access via Digital Banking
  • Instant cash advances at any ATM (PIN required)
  • Cell phone protection1 when you pay your monthly cell phone bill with your First Citizens Smart Option Visa Card
  • Fast and secure online shopping with Visa Checkout2
  • Guaranteed fraud protection3
  • Travel and Emergency Assistance Services1
  • Auto Rental Collision Damage Waiver1
  • Chip technology for enhanced security and global acceptance
  • Exclusive Visa discounts2
  • Activate the Verified by Visa2 feature for added peace of mind
  • Enroll in e.statements through Digital Banking for paperless statements

Standard Annual Percentage Rate (APR)1 for purchases and balance transfers
9.24% to 20.24% based on your creditworthiness
Introductory Offer for Balance Transfers2
0% APR for first 12 billing cycles on balances transferred within the first 90 days of account opening
APR for Cash Advances
23.24% to 26.24% based on your creditworthiness
Transaction Fees
Balance Transfer — 3% of each transaction (minimum $5)
Cash Advance — 3% of the amount of each cash advance (minimum $5)
Foreign Transaction — 2% of each transaction in U.S. dollars

Normal credit approval applies.

1. APR (Annual Percentage Rate) - The Prime Rate used to determine your APR is the Prime Rate as published in The Wall Street Journal on the last business day of the preceding calendar month. The current Prime Rate as of December 31, 2017 is 4.50% and may vary in the future. The transaction fee for cash advances is $5 or 3% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactions is 2% of each transaction after conversion to U.S. dollars.

2. Balance transfer must occur within the first 90 days of account opening to qualify for the 0% APR introductory offer and will be subject to a balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater. After the 12 billing cycle period, your APR will default to your Purchase APR.

Consumer Credit Card Cardholder Agreement & Disclosure for credit cards issued by First Citizens Bank: First Citizens Bank  Southern Bank