Credit Cards

First Citizens Bank Smart Option Card Review: $0 annual fee

Seeking a low-APR credit card with built-cell phone protection? Dive into our First Citizens Bank Smart Option Credit Card review to learn if it's your financial wingman now.

Enjoy a 0% intro APR for balance transfers during the first year!

Not sure about the best credit card for balance transfers? Then stay tuned as we review the First Citizens Bank Smart Option Credit Card review with its perks, fees, and benefits.

Apply for the First Citizens Bank Smart Option

Apply for the First Citizens Bank Smart Option Credit Card easily? Keep reading for all the details you need to know! $0 annual fee!

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Discover if this card is the key to unlocking the financial flexibility you need now. So, buckle up for a smooth ride through its features and potential pitfalls. Read on!

Credit Score: Fair-Excellent;
Annual Fee: No annual fee;
Purchase APR: 15.24% to 24.24% (variable);
Cash Advance APR: 27.24% to 30.24%(variable);
Welcome Bonus: 0% intro APR on balance transfers for the first 12 months of account;
Rewards: N/A.

First Citizens Bank Smart Option Credit Card: how does it work?

If you need a credit card to consolidate credit with lower interest, then the First Citizens Bank Smart Option Credit Card is made just for that.

It has no annual fee and still offers added protection for your purchases.

In short, the First Citizens Bank Smart Option Credit Card is an option to rebuild your credit score without worrying about a yearly fee.

Features

All First Citizens Bank credit cards have a set of common features available to all cardholders.

These features make credit card usage easy and also convenient for everyone. So, take a look at them

Cell phone as well as fraud protection;
Porch piracy protection;
Roadside assistance;
Identity protection;
Credit card monitoring.

In addition, cardholders can still get some special deals on dining, entertainment, shopping, and much more from Visa.

Visa Signature Perks

Besides the benefits mentioned above, cardholders still get:

Rideshare protection;
Trip delay reimbursement;
Auto rental collision damage;
Travel as well as emergency assistance services.

Fees

Review some fees you will pay using the First Citizens Bank Smart Option Credit Card.

Transaction Fees

Balance Transfer: $5 or 3% of the amount of the transfer (whichever is greater);
Cash advance: $10 or 5% of the amount of the cash advance (whichever is greater);
Foreign transactions: 3% of the transaction in dollars.

Penalty Fees

Late Payment: Up to $39;
Over-the-credit limit: $0;
Return payment: $25.

First Citizens Bank Smart Option Credit Card: should you get one?

This credit card is a great option for those who want to combine their credit balances, and it also doesn’t charge any yearly fees.

However, before you apply for it, it’s important to consider both the advantages and disadvantages to ensure it’s the right fit for you.

Pros

No annual fee;
Intro 0% APR on balance transfers for 12 months;
Relatively lower APR than average;
Identity theft protection;
Visa Signature perks.

Cons

No rewards;
Transaction fee of 3%.

Credit score required

To apply for the First Citizens Bank Smart Option Credit Card, you need fair to excellent credit! Indeed, it brings amazing features that can be advantageous to cardholders!

First Citizens Bank Smart Option Credit Card application: how to do it?

In our post below, you can learn to apply for the First Citizens Bank Smart Option Credit Card, a low-interest card for balance transfers and rebuilding your credit. So, stay tuned!