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.

Enjoy Benefits

Convenient credit card benefits help protect you and your purchases.

Balance Transfer

Use our introductory offer on balance transfers to consolidate your debt.

Benefits

Big purchases, smart options

Manage your spending or consolidate higher interest rate balances on our lowest-rate, no fee credit card.

  • Take advantage of great credit card benefits like cell phone protection and roadside assistanceD
  • Manage your account through Digital Banking
  • Pay no annual fee with this low-interest rate credit card
More Information

Card details and transaction fees

Balance transfers

0% introductory APRD for the first 12 monthsD on balance transfers, then variable purchase rate of 9.99% to 18.99% based on creditworthiness applies

Purchase rate

Variable 9.99% 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 5% fee (minimum $10)

Annual fee

$0 with this no-fee credit card

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.

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.
Home Improvement Loans

Fast access to funds for your remodel project

A quick and easy application process to remodel without using your home as collateral.

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 September 30, 2021, is 3.25% and may vary in the future. The transaction fee for cash advances is $10 or 5% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactions is 3% (0% for Travel Rewards) 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, Auto Rental Collision Damage Waiver, Porch Piracy Protection, Rideshare Protection and Trip Delay Reimbursement provided by Visa®. Certain terms, conditions and exclusions apply. For complete details, please refer to Your Guide to Benefits for Visa Signature Cardholders (PDF) or Your Guide to Benefits for Visa Traditional Cardholders (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.

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