First Citizens Smart Option Visa Card

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First Citizens Smart Option Visa Card

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5.5

Annual Fee

10.0/10

Promotions

3.0/10

Services

3.0/10

Travel

3.0/10

Insurance

5.0/10

Rewards

1.5/10

Security

8.5/10

APR (Interest Rate)

6.8/10

Customer Support

8.5/10

Pros

  • 9.99% - 20.99% APR is a fair APR rate for purchases and balance transfers.
  • There is no annual fee for the card.
  • Balance Transfer and Cash Advance Fees are good.
  • 0% introductory APR for 12 months on Balance Transfer.

Cons

  • No unique promotions or services.
  • 20.99% Maximum APR for purchases and balance transfers can be high for you if you don't have good credit worthiness.
  • You will need to pay extra for foreign transactions,
  • There is no rewards or bonuses on this card.
  • 23.99% - 26.99% Cash Advance APR is high.

Review

First Citizens Smart Option Visa Card is a simple credit card with reasonable APR rates and no annual fee. Balance transfer and cash advance fee rates are very good in the card. However Cash Advance APR is a little bit high. There are not also much promotions on this card. There are no bonuses, rewards points and cash backs. You will pay 2% foreign transaction fee with First Citizens Smart Option Visa Card.

There is also 0% APR for 12 months for balance transfers. The regular APR for balance transfer is 9.99% – 20.99%. This depends on your creditworthiness. If you think that your creditworthiness is not well, you can also check some alternative cards which offers certain APR below 12%. We have mentioned about those recently on Credit Cards Center.

Rates

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
9.99% – 20.99% None None 2% $38 $5 or 3% 23.99% – 26.99% $5 or 3% 0% for 12 months

9.99% – 20.99%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 202 200 100
Balance Transfer 222 226 50
No Annual 145 166 60

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