First Citizens Smart Option Visa® Card

Standard Annual Percentage Rate (APR)1 for purchases and balance transfers

  • 9.99% to 20.99% based on your creditworthiness

Introductory Offer for Balance Transfers2

  • 0% introductory APR for first 12 months on balance transfers, then 9.99% - 20.99% variable APR

APR for Cash Advances

  • 23.99% to 26.99% based on your creditworthiness

Transaction Fees

  • Balance Transfer — 3% of each transaction (minimum $5)
  • Cash Advance — 3% of the amount of each cash advance (minimum $5)
  • Foreign Transaction — 2% of each transaction in U.S. dollars