Smart Option Visa® from First Citizens Bank Review

All benefits

• Travel
  • Roadside assistance:
  • Call on Roadside Dispatch® whenever you're in need of a tow. Assistance is available to eligible First Citizens credit cardholders 24/7 with no membership required.
  • Trip delay reimbursement:
  • With Trip Delay coverage, you can receive up to $300 when you're stuck for more than 12 hours due to a covered hazard.
  • Auto rental collision damage:
  • Rent a car with your covered First Citizens credit card and get built-in Auto Rental Coverage.
  • Travel & emergency assistance services:
  • Call anytime for Travel and Emergency Assistance, available for covered First Citizens credit cardholders from anywhere in the world.

Rate and fee information

• Purchase Intro APR
  • None
• Purchase APR
  • 15.24% - 24.24% Variable
• Intro Balance Transfer APR
  • 0% Introductory APR for the first 12 billing cycles following account opening on any balance transferred within the first 90 days following account opening
• Balance Transfers APR
  • 15.24% - 24.24% Variable
• APR for Cash Advances
  • 27.24% - 30.24% Variable
• How to Avoid Paying Interest
  • Your due date will be at least 21 days after your billing statement is mailed or delivered to you.

Fees

Pros & Cons

Features

• No Annual Fee
• Fraud Protection
• Purchase Protection
• Auto Rental Insurance
• 24/7 Travel Assistant
• Fair Credit
• Good Credit