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First Citizens Smart Option Visa® Card

Looking to earn more?
Do more?

You can apply by calling

1.888.FC DIRECT
(1.888.323.4732)

Or, visit your local branch

Learn more about:

Features

Looking to earn more?
Do more?

You can apply by calling

1.888.FC DIRECT
(1.888.323.4732)

Or, visit your local branch

Learn more about:

Rates & Fees

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

  • 8.24% to 19.24% based on your creditworthiness

Introductory Offer for Balance Transfers2

  • 0% APR for first 12 billing cycles on balances transferred within the first 90 days of account opening

APR for Cash Advances

  • 22.24% to 25.24% 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

Looking to earn more?
Do more?

You can apply by calling

1.888.FC DIRECT
(1.888.323.4732)

Or, visit your local branch

Learn more about:

Questions?

Email us

Or call

1.888.FC DIRECT (1.888.323.4732)

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