First Citizens Smart Option® Visa® Card
- 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... Show More
- Purchases Intro APR
- None
- Balance Transfers
- 0% for 12 months
- Regular APR
- 9.24% - 20.24% (variable)
- Annual Fee
- No annual fee
- Credit Needed
- Excellent / Good