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First Citizens Smart Option Visa Card

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CreditExpert
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First Citizens Smart Option Visa Card

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.

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Originally posted 2018-12-22 18:12:37.

First Citizens Rewards Visa Card

By
CreditExpert
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0
First Citizens Rewards Visa Card

Review

First Citizens Rewards Visa Card has 3 different tiers. You can get cashbacks, rewards points or 50% more rewards points with those tiers. You can select one of those programs while you are having the credit card. All APR and fees are same for those tiers but only type of rewards are different.

Earn Rewards: Earn rewards is one of those tiers of the credit card. You can 1 reward point per $1 purchase. No annual fee.

Accelerate Your Earnings: The most profitable tier of the card. You gain 1.5 rewards points per $1. Yearly fee is $50. (Waived first year.)

Unlimited Cash Back: You can earn 1% cashback for every purchases with this tier. You can redeem cashbacks to your saving account. No annual fee.

12.99% – 23.99% balance transfer and purchase APR is at fair rate. However if your creditworthiness is not good, the maximum rate is a little bit high. Cash advance fee is a little bit high for this card. 3% balance transfer fee and 3% cash advance fee is very good. You will need to pay 2% more for every foreign transactions.

Other good services:

  • Phone protection.
  • Zero liability.
  • Travel and Rental Services.

Rates

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
12.99% – 23.99% Earn Rewards Tier:

1 Rewards Points

Accelerate Your Earnings Tier:

1.5 Rewards Points

Unlimited Cash Back Tier:

%1 Cash Back

 None

Accelerate Your Earnings: $50

 2% $38 $5 or 3% 23.99% – 26.99% $5 or 3% 0% APR for first 12 months.

Regular:

12.99% – 23.99%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 208 200 100
Balance Transfer 217 226 50
Rewards 170 189 64
No Annual 167 166 60
Cash Back 100 123 26

You can find some similar cards to First Citizens Rewards Visa Card below and user reviews.

Similar Cards

Originally posted 2018-12-22 17:33:58.

SouthPoint Bank Visa Platinum Edition Credit Card

By
CreditExpert
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0
SouthPoint Bank Visa Platinum Edition Credit Card

Review

SouthPoint Bank Visa Platinum Edition Credit Card is a simple card of the company without any rewards, bonused or cashbacks. You will only get the lowest interest rates of SouthPoint with this card. There is also no APR in 12 months and no annual fee for Visa Platinum edition. Other features of this product is almost same with other credit cards of the company.

You can see rates of the card below. There are also user reviews and editor scores…

Rates

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
0% for 12 months

Regular:

10.99% – 20.99%

 None

 

 None 1% $38 $5 or 3% 23.99% $5 or 3% 0% APR for first 12 months.

Regular:

10.99% – 20.99%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 215 200 100
Zero Interest 164 180 43
Balance Transfer 250 226 50
No Annual 149 166 60

You can read some users reviews of SouthPoint Bank Visa Platinum Edition Credit Card below.

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Originally posted 2018-12-22 16:38:51.

SouthPoint Bank Cash Rewards Platinum Card

By
CreditExpert
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0
SouthPoint Bank Cash Rewards Platinum Card

Review

SouthPoint Bank Cash Rewards Platinum Card is a cashback card with 1% rate for your purchases. If you would like to check rewards version of this card, you can see our SouthPoint Bank Rewards Platinum Card review in Credit Cards Center. The card is low fees for Balance Transfers, Cash advances and Foreign Transactions. However cash back rate is low and it is below average. There is 0% APR for first 12 months on purchases and Balance Transfer APR.

Cash Advance APR is high while there is very limited cash back rates, we believe it should be at lower rates.

Rates & Fees

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
0% for 12 months

Regular:

14.99% – 24.99%

 %1 Cash Back None 1% $38 $5 or 3% 23.99% – 26.99% $5 or 3% 0% APR for first 12 months.

Regular:

14.99% – 24.99%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 200 200 100
Zero Interest 180 180 43
Balance Transfer 230 226 50
Rewards 166 189 64
No Annual 165 166 60
Cash Back 104 123 26

You can read some users reviews of SouthPoint Bank Cash Rewards Platinum Card below.

Similar Credit Cards

Originally posted 2018-12-22 14:37:35.

SouthPoint Bank Rewards Platinum Card

By
CreditExpert
-
0
SouthPoint Bank Rewards Platinum Card

Review

SouthPoint Bank Rewards Platinum Card is providing rewards for consumers which are redeemable for merchandise, rental cars, cruises, hotels and airfare. The card is very good for those who are planning to travel at vacations. There are also many other goods on the card with travel. However current rewards rate is below average. This is a downside of the card. The other downside of SouthPoint Bank Rewards Platinum Card is cash advance APR. It is a little bit high.

You will not pay annual fees for this card. 3% cash advance and balance transfer fees are very good. There is also 12 months introductory 0% APR for balance transfers and purchases.

You can see more information, rates, editor scores, use reviews below.

Rates & Fees

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
0% for 12 months

Regular:

11.99% – 21.99%

 1 Rewards Points None 1% $38 $5 or 3% 23.99% $5 or 3% 0% APR for first 12 months.

Regular:

11.99% – 21.99%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 215 200 100
Zero Interest 183 180 43
Balance Transfer 245 226 50
Rewards 166 189 64
No Annual 168 166 60

You can read some users reviews of SouthPoint Bank Rewards Platinum Card below.

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Originally posted 2018-12-22 00:59:31.

AmeriFirst Cash Back Platinum Visa Card

By
CreditExpert
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0
AmeriFirst Cash Back Platinum Visa Card

Review

AmeriFirst Cash Back Platinum Visa Card is providing 1% cash back for every purchases. There is 7 months introductory 0% APR for the card and $35 annual fee. 3% cash advance and balance transfer fee rates are very good. 13.75% APR is also excellent when you compare it with other platinum cards.

Rewards rate of the card is below average. You will need to pay 2 percent more for every foreign transactions with this card.

You can check rates of the card below and you can also read user reviews.

Rates & Fees

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
0% for 7 months

Regular:

11.75%

 1% cash back at every purchases. $35 2% $25 $5 or 3% 13.75% $5 or 3% 0% APR for first 7 months

Regular:

11.75%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 212 200 100
Zero Interest 124 180 43
Balance Transfer 237 226 50
Low Interest 194 173 24
Rewards 121 189 64
Cash Back 64 123 26

You can read some users reviews of Amerifirst Cash Back Platinum Visa Card below.

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Originally posted 2018-12-21 23:22:30.

AmeriFirst Platinum Visa Card

By
CreditExpert
-
0
AmeriFirst Platinum Visa Card

Review

Amerifirst Platinum Visa Card is a credit card with low interest rates and no annual fee. There is 13.75 rates for balance transfer and purchases. Besides 13.75% for cash advance rate is very good. However the main problem of this card is rewards. There is not any attracting rewards options for consumers. You won’t pay annual fee for the card. Balance transfer and cash advance fees are also very good.

You can see some rates of AmeriFirst Platinum Visa Card below. You can also read user reviews and editor scores.

Rates

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
0% APR for purchases for 7 months.

Regular:

13.75%

 None None 2% $25 $5 or 3% 13.75% $5 or 3% 0% APR for first 7 months.

Regular:

13.75%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 212 200 100
Zero Interest 117 180 43
Balance Transfer 236 226 50
Low Interest 182 173 24
No Annual 147 166 60

You can read some users reviews of Amerifirst Platinum Visa Card below.

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Originally posted 2018-12-21 22:46:57.

SunTrust Bank Travel Rewards Credit Card

By
CreditExpert
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0
SunTrust Bank Travel Rewards Credit Card

Review

If you are travelling very often and if you would like to have a travel credit card for that, this is one of those options for you. You are going to earn unlimited cashback as much as you can with SunTrust Bank Travel Rewards Credit Card. The card is providing reasonable interest rates for purchases and balance transfers. Cash Advance APR is high though. The other upside of the card is foreign transaction fee. If you are visiting abroad very often, no foreign transaction fee feature of the card is going to help for saving more money.

You don’t need to pay Balance Transfer APR in first 15 months. This introductory APR will help you for balance transfer freely except regular fees. Regular fee is 3%.

You can find rates of SunTrust Bank Travel Rewards Credit Card below. You can also read user reviews and editor scores.

Rates & Fees

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
Regular: 13.24%–23.24% 3% cashback on travel purchases.

2% cashback on dining purchases.

1% cashback on all other purchases.

 First year waived.

$89

 None $38 4% 26.99% 3% 0% APR for first 15 Months

Regular: 13.24%–23.24%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 230 200 100
No Foreign Transaction 175 178 40
No Annual 110 166 60
Balance Transfer 160 226 50
Zero Interest 140 180 43
Rewards 186 189 64
Cash Back 120 123 26
Travel 206 196 8

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Originally posted 2018-12-21 21:15:04.

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