First Citizens Smart Option® Visa® Card

Big purchases deserve smart options. Manage your spending or consolidate higher interest rate balances.


  • No annual fee
  • Our lowest available interest rate
  • 0% APR3 on balance transfers for 12 months, then a 7.99% to 18.99% variable APR
  • Protect your cell phone1 when you pay your monthly cell phone bill with your First Citizens Visa card
  • Manage your account through Digital Banking
  • Get exclusive Visa discounts, Opens in a new tab2
  • Purchases and balance transfers – 7.99% to 18.99% APR3 based on creditworthiness
  • Balance transfer introductory offer4 – 0% for first 12 months, then 7.99% to 18.99% variable APR
  • Cash advances – 21.99% to 24.99% APR based on creditworthiness

Transaction Fees

  • Balance transfers – 3% of each transaction (minimum $5)
  • Cash advance – 3% of the amount of each cash advance (minimum $5)
  • Foreign transactions – 2% of each transaction in U.S. dollars

Existing customers may apply through Digital Banking, in person or by phone.

Call 888.FC.DIRECT


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