Smart Option

Our lowest available interest rate and no annual fee

Benefits

Big purchases, smart options

Manage your spending or consolidate higher interest rate balances on our lowest-rate card.

Card Details

Card details and transaction fees

Balance transfers

0% introductory APRD for first 12 months, then a 7.99% to 18.99% variable APR,D each transfer is subject to a 3% fee (minimum $5)

Purchase rate

Variable 7.99% to 18.99% APRD based on creditworthiness, for purchases and balance transfers

Cash advances

Variable 21.99% to 24.99% APRD based on creditworthiness, each transaction is subject to a 3% fee (minimum $5)

Annual fee

$0

Foreign transactions fee

2% of each transaction in US dollars

Pay with your phone

Add your cards to your mobile device and pay securely with Digital Wallet.

Get alerts

Track your accounts and transactions with text and email alerts.

Pay your bills

Automate your bill payments with Digital Banking for extra peace of mind.

Not quite sure? Answer a few questions to find the right credit card for you.

Manage Your Cards

Access any of our card services from your phone

Temporarily lock your card

Report a lost or stolen card

Notify us if you're traveling

Manage Your Cards

Access any of our card services from your phone

Temporarily lock your card

Manage Your Cards

Access any of our card services from your phone

Report a lost or stolen card

Manage Your Cards

Access any of our card services from your phone

Notify us if you're traveling

Cell Phone Protection

Repair or replace your phone for free

Enroll automatically when you pay your cell phone bill with your First Citizens credit card.

Auto Loans

Make that dream road trip a reality

Explore our auto loan options to get the keys in your hands and hit the open road.

Normal credit approval applies.

For more information, please see the First Citizens Consumer Credit Card Cardholder Agreement and Disclosure (PDF).

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

APR (annual percentage rate). The Prime Rate used to determine your APR is the Prime Rate as published in The Wall Street Journal on the last business day of the preceding calendar month. The current Prime Rate as of ${date-today} is 3.25% and may vary in the future. The transaction fee for cash advances is $5 or 3% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactions is 2% of each transaction after conversion to US dollars.

Balance transfer must occur within the first 90 days of account opening to qualify for the 0% APR (annual percentage rate) introductory offer and will be subject to a balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater. After the 12 billing cycle period, your APR will default to your purchase APR.

Cellular Telephone Protection, Travel and Emergency Assistance Services and Auto Rental Collision Damage Waiver provided by Visa. Certain terms, conditions and exclusions apply. Please refer to Visa's Your Guide to Card Benefits (PDF) for complete details.

Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.