First Citizens Smart Option Visa® Card

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Get $200 when you open a new Premier or Prestige account. Offer for new customers. Learn More.

Learn more about:

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

  • 8.99% to 19.99% 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

  • 22.99% to 25.99% 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
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