Smart Option Credit Card

Our lowest available interest rate and no annual fee

Forget the Fees

Pay no annual fee and get our lowest interest rate.

Balance Transfer

Get an introductory offer and consolidate your debt.

Exclusive Discounts

Access offers and deals through Visa® Offers + Perks.

See Pricing Information (PDF)

Benefits

Big purchases, smart options

Manage your spending or consolidate higher interest rate balances on our lowest-rate card.

Protect your cell phoneDD when you pay your monthly cell phone bill with your First Citizens Visa® card
Manage your account through Digital Banking
Pay no annual fee

Balance transfers

0% introductory APRD for first 12 months, then a 7.99% to 18.99% variable APR,D each transfer is subject to a 3% fee (minimum $5)

Purchase rate

Variable 7.99% to 18.99% APRD based on creditworthiness, for purchases and balance transfers

Cash advances

Variable 21.99% to 24.99% APRD based on creditworthiness, each transaction is subject to a 3% fee (minimum $5)

Annual fee

Foreign transactions fee

2% of each transaction in US dollars

Pay with your phone

Add your cards to your mobile device and pay securely with Digital Wallet.

Get alerts

Track your accounts and transactions with text and email alerts.

Pay your bills

Automate your bill payments with Digital Banking for extra peace of mind.

Not quite sure? Answer a few questions to find the right credit card for you.

Manage Your Cards

Access any of our card services from your phone

Temporarily lock your card

Report a lost or stolen card

Notify us if you're traveling

Manage Your Cards

Access any of our card services from your phone

Temporarily lock your card

Manage Your Cards

Access any of our card services from your phone

Report a lost or stolen card

Manage Your Cards

Access any of our card services from your phone

Notify us if you're traveling

Cell Phone Protection

Repair or replace your phone for free

Enroll automatically when you pay your cell phone bill with your First Citizens credit card.

Auto Loans

Make that dream road trip a reality

Explore our auto loan options to get the keys in your hands and hit the open road.

Normal credit approval applies.

For more information, please see the First Citizens Consumer Credit Card Cardholder Agreement and Disclosure (PDF).

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

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 March 31, 2020 is 3.25% 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 US dollars.

Balance transfer must occur within the first 90 days of account opening to qualify for the 0% APR (annual percentage rate) 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.

Cellular Telephone Protection, Travel and Emergency Assistance Services and Auto Rental Collision Damage Waiver provided by Visa. Certain terms, conditions and exclusions apply. Please refer to Visa's Your Guide to Card Benefits (PDF) for complete details.

Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

Bonus Offer

Offer is valid on new accounts only. Company must spend $3,000 within the first three months of account opening to receive the bonus. 10,000 bonus points will be credited within 60 days of qualification under the description: Commercial Spend Bonus.

Earning Points

Accelerated Rewards Tier: Earns one and a half (1.5) points for each dollar you spend for net retail purchases (gross retail purchases less any returns or credits).

There is no monthly point cap and points do not expire as long as you remain in the Accelerated Rewards Tier.

Rewards Redemption

Businesses in the Accelerated Rewards Tier may redeem points for (i) cash back to a First Citizens checking or savings account or credit card statement credits, (ii) credit towards a First Citizens personal loan or mortgage principal, (iii) Pay Me Back statement credits, (iv) travel rewards, including airline tickets, hotel, car rentals, cruises and tours, (v) retail gift cards and certificates and (vi) merchandise and (vii) donations. Businesses in the Accelerated Rewards Tier have access to additional experiential rewards and a fixed point value airline travel reward.

These Terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible via the program website at FirstCitizensRewards.com at log in.

Program Rules are subject to change or cancellation without notice.

Bonus Offer

Offer is valid on new accounts only. To qualify, company must spend $3,000 within the first three months of account opening to receive the bonus. $100 rewards dollars will be credited within 60 days of qualification under the description: Commercial Spend Bonus.

Earning Cash Back

Cash Back Rewards: Earns (i) one (1) reward dollar for each one hundred (100) dollars you spend for net retail purchases (gross retail purchases less any returns or credits), (ii) five (5) reward dollars for each one hundred (100) dollars you spend for net retail purchases in the following rewards categories: utilities and wireless phone (4 additional reward dollars on top of the 1 reward dollar for each one hundred dollars earned on net retail purchases) for the first twelve (12) months from account opening; three (3) reward dollars for each one hundred (100) dollars you spend for net retail purchases thereafter (2 additional reward dollars on top of the 1 reward dollar for each one hundred dollars earned on net retail purchases), (iii) two (2) reward dollars for each one hundred (100) dollars you spend for net retail purchases in the follow rewards categories: gas and office supplies (1 additional rewards dollars on top of the 1 reward dollar for each one hundred dollars earned on net retail purchases).

Rewards Categories: Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.

There is no monthly point cap. Reward dollars earned are available for redemption for a 3-year term. Reward dollars expiring during the year will be cleared from the Program Account on the last day of the month in which they expire.

Rewards Redemption

Businesses may redeem reward dollars for (i) cash back to a First Citizens checking or savings account or credit card statement credits and (ii) Pay Me Back statement credits.

Program Rules are subject to change or cancellation without notice.

Bonus Offer

Offer is valid on new accounts only. To qualify, company must spend $3,000 within the first three months of account opening to receive the bonus. 10,000 bonus points will be credited within 60 days of qualification under the description: Commercial Spend Bonus.

Earning Points

Base Rewards Tier: Earns (i) one (1) point for each dollar you spend for net retail purchases (gross retail purchases less any returns or credits), (ii) three (3) points for each dollar you spend for net retail purchases in the follow rewards category: gas stations (2 additional points on top of the 1 point per dollar earned on net retail purchases), (iii) two (2) points for each dollar you spend for net retail purchases in the following rewards categories: restaurants and travel (airlines, auto rental, and lodging) (1 additional point on top of the 1 point per dollar earned on net retail purchases).

Businesses may earn up to 10,000 points per calendar month, excluding bonus points. Points earned are available for redemption for a 3 year term. Points expiring during the year will be cleared from the Program Account on the last day of the month in which they expire.

Rewards Redemption

Businesses in the Base Rewards Tier may redeem points for (i) cash back to a First Citizens checking or savings account or credit card statement credits, (ii) credit towards a First Citizens personal loan or mortgage principal, (iii) Pay Me Back statement credits, (iv) travel rewards, including airline tickets, hotel, car rentals, cruises and tours, (v) retail gift cards and certificates and (vi) merchandise and (vii) donations.

Program Rules are subject to change or cancellation without notice.

Let's get started

A few things to know before opening an account:

You'll need to be an existing First Citizens Business Customer with a Business Digital Banking login to open an account.
Your business must be a sole proprietorship, an LLC or a corporation. If you have any other business structure, you’ll need to visit a branch to open an account.

Let's get started

A few things to know before opening an account:

You'll need to be an existing First Citizens Business Customer with a Business Digital Banking login to open an account.
Your business must be a sole proprietorship, an LLC or a corporation. If you have any other business structure, you’ll need to visit a branch to open an account.

Let's get started

A few things to know before opening an account:

You'll need to be an existing First Citizens Business Customer with a Business Digital Banking login to open an account.
Your business must be a sole proprietorship, an LLCor a corporation. If you have any other business structure, you’ll need to visit a branch to open an account.

Let's get started

A few things to know before opening an account:

You'll need to be an existing First Citizens Business Customer with a Business Digital Banking login to open an account.
Your business must be a sole proprietorship, an LLC or a corporation. If you have any other business structure, you’ll need to visit a branch to open an account.

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Please allow 2 business days for a response. For immediate assistance, call 844-226-5322 from 8 am to 6 pm ET, Monday through Friday.

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Get the right coverage to give you and your family peace of mind. We can help.

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If you have an active Digital Banking account with us, we'll deliver our response to that account. If you don't, please choose a delivery preference:

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Get the right coverage to give you and your family peace of mind. We can help.

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Thank you for your request.

We'll process your request and respond within 45 days. Our response may either:

Include documentation responsive to your request
Notify you that we may need additional time to respond to your request
Inform you if your request can't be processed. If we need additional information to process, we'll have a representative call you.

If you didn't make this request or have questions, please call us toll free at 888-FC DIRECT (888-323-4732). Our representatives are available Monday through Sunday between the hours of 7 am and 11 pm ET. Thank you for contacting First Citizens Bank. We appreciate your business.

Thank you. We'll be in touch.

You'll receive a reply within 2 business days.

2,500 New Enrollment Bonus

The new enrollment bonus offer is available at account opening to new cardholders in the Accelerated Rewards Tier of the First Citizens Rewards® credit card or existing cardholders who upgrade to the Accelerated Rewards Tier. Not valid with any other promotional offers.

Earning Points

At the Accelerated Rewards Tier, you will earn 1.5 points for each $1 you spend for all net retail purchases (gross retail purchases less any returns or credits). Earned points are calculated on actual dollars spent rounded up or down to the nearest point. Points will be deducted from the available rewards account balance for all returned purchases. There is no monthly point cap and points do not expire as long as you remain in the Accelerated Rewards Tier.

Redeeming Points

Each point is worth $0.01, which means that 100 points equals $1 in redemption value. Redemptions start as low as 10,000 points. Some limitations may apply.

You may redeem points back into other First Citizens banking products:

Cash Back to an existing First Citizens Bank checking account, savings account or credit card account
Account credits towards a First Citizens personal loan or mortgage

Cash back and account credit redemptions must be completed through the Program website, however a statement credit back to your First Citizens Card can also be redeemed through the First Citizens Rewards Call Center. The redemptions will post within 2-8 business days. No First Citizens card or mortgage account credit will be applied, in whole or in part, against any monthly minimum payment due, however, account credits to your First Citizens consumer loan will be applied first to your outstanding interest and any remaining amount will be applied to your principal.

Cardholders in the Accelerated Rewards Tier may redeem 50,000 points for one continental flight when the flight is booked at least 21 days in advance and includes a Saturday night stay. This reward is only available for redemption on coach tickets priced below $1,000.00. Tickets priced above $1,000.00 are not eligible for this reward.

Redemptions are also available for travel, including airline tickets, hotel, car rentals, cruises and tours, retail gift cards and certificates, donations and merchandise.

You may use points for a Pay Me Back® redemption, meaning a statement credit for the corresponding dollar amount will be applied to your First Citizens Rewards card that was used for the purchases over $100. Some exclusions apply to certain categories of transactions. No statement credit will be applied, in whole or in part, against any monthly minimum payment due.

These terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible through the program website at FirstCitizensRewards.com at log in.

Program rules are subject to change or cancellation without notice.

Earning Reward Dollars

With Cash Back Rewards, you will earn 1 reward dollar for each $100 net dollars you spend for net retail purchases (gross retail purchases less any returns or credits). Earned reward dollars are calculated on actual dollars spent rounded up or down to the nearest point. Reward dollars will be deducted from the available rewards account balance for all returned purchases.

There is no monthly earnings cap. Reward dollars earned are available for redemption for 3 years. Reward dollars expiring during the year will be cleared from your Program Account on the last day of the month in which they expire.

Redeeming Reward Dollars

Each reward dollar is worth $1, which means that $100 reward dollars equals $100 in redemption value. Redemptions start as low as $25 rewards dollars.

You may redeem reward dollars back into other First Citizens banking products:

Cash Back to an existing First Citizens Bank checking account, savings account or credit card account
Account credits towards a First Citizens personal loan or mortgage

Cash back and account credit redemptions must be completed through the program website, however a statement credit back to your First Citizens Card can also be redeemed through the First Citizens Rewards Call Center. The redemptions will post within 2 to 8 business days. No First Citizens card or mortgage account credit will be applied, in whole or in part, against any monthly minimum payment due, however, account credits to your First Citizens consumer loan will be applied first to your outstanding interest and any remaining amount will be applied to your principal.

You may redeem rewards dollars for account credits to be deposited to your First Citizens checking or savings account or applied to your First Citizens credit card, consumer loan or mortgage.

You may use reward dollars for a Pay Me Back® redemption, meaning a statement credit for the corresponding dollar amount will be applied to your First Citizens Rewards card that was used for the purchases over $100. Some exclusions apply to certain categories of transactions. No statement credit will be applied, in whole or in part, against any monthly minimum payment due.

Program rules are subject to change or cancellation without notice.

Earning Points

At the Base Rewards Tier, you will earn 1 point for each $1 you spend for all net retail purchases (gross retail purchases less any returns or credits). Earned points are calculated on actual dollars spent rounded up or down to the nearest point. Points will be deducted from the available rewards account balance for all returned purchases.

At the Base Rewards Tier, cardholders may earn up to 10,000 points per calendar month. Points earned are available for redemption for a 3-year term. After the 3-year term, points expire and can no longer be redeemed. Points expiring during the year will be cleared from your Program Account on the last day of the month in which they expire.

Redeeming Points

Each point is worth $0.01, which means that 100 points equals $1 in redemption value. Redemptions start as low as 10,000 points. All rewards redemptions can be made through the First Citizens Rewards Center by telephone or through the program website. Some limitations apply.

You may redeem points back into other First Citizens banking products:

Cash Back to an existing First Citizens Bank checking account, savings account or credit card account
Account credits towards a First Citizens personal loan or mortgage

Redemptions are also available for retail gift cards and certificates, donations and merchandise.

These Terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible through the program website at FirstCitizensRewards.com at log in.

Program Rules are subject to change or cancellation without notice.

What are you looking for most in a credit card?

Flexible Rewards

Cash back

A low interest rate

Do you plan to use this card for everyday purchases?

Yes

In addition to cash back, are you also interested in earning points redeemable for gift card, merchandise and more?

Yes

Are you also interested in earning rewards?

Yes

Based on your answers, here's what we recommend

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Still not sure? Compare Accounts

Need to make a change?

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Smart Option Credit Card

Our lowest available interest rate and no annual fee

Big purchases, smart options

Card details and transaction fees

Balance transfers

Purchase rate

Cash advances

Annual fee

Foreign transactions fee

Not quite sure? Answer a few questions to find the right credit card for you.

Access any of our card services from your phone

Access any of our card services from your phone

Access any of our card services from your phone

Access any of our card services from your phone

Repair or replace your phone for free

Make that dream road trip a reality

Bonus Offer

Earning Points

Rewards Redemption

Bonus Offer

Earning Cash Back

Rewards Redemption

Bonus Offer

Earning Points

Rewards Redemption

Let's get started

Let's get started

Let's get started

Let's get started

Thank you. We'll be in touch.

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