Contents
First Citizens Smart Option Visa Card
0.00
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 |
You can find some similar cards to First Citizens Smart Option Visa Card below and user reviews.
Similar Cards
- SouthPoint Bank Visa Platinum Edition Credit Card
- Valley State Bank Classic Visa Card
- Citizens Trust Bank Visa Privilege
Originally posted 2018-12-22 18:12:37.
