USES

Smart Option Visa® from First Citizens Bank Review

Smart Option Visa® from First Citizens Bank — all information about the credit card.

Updated December 07, 2023
Advertiser Disclosure Our Methodology
First Citizens Bank Smart Option Visa®
Apply now
Our Rating:
2.79 out of 5
scorer
Recommended credit score
Fair to Good (580-739)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    15.24% - 24.24% Variable
  • Balance Transfer APR:
    15.24% - 24.24% Variable
Show more

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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

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $5 or 3% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Return Payment
    • $25
  • Late Payment
    • Up to $39
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
Cons:
  • Foreign Transaction Fee

Features

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

About the issuer

First Citizens Bank
First Citizens Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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See Another Credit Cards in the Bank

First Citizens Bank Smart Option Visa® is an option for those, who need Classic features. With an APR of 15.24% - 24.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair to Good (580-739) credit score. With First Citizens Bank Smart Option Visa® you will get such features as No Annual Fee, Fraud Protection, Purchase Protection, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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