Additional information of Smart Option Credit Card
Unlike other First Citizens bank products, you can apply for the Smart Option credit card using their online form.
This is an ideal card for balance transfers, which you must make within the first 90 days of opening the account. It is an operation that costs 3% of the amount or a minimum of $5, but you will have 12 months interest free.
You may be interested in: Discover Credit Cards
In addition to letting you consolidate your debts at a more favorable rate, this financial instrument offers other advantages:
- Bill payment automation
- Email and sms notifications configuration
- Account management via online/mobile banking
- Linking your card with an ewallet to pay with your devices
- Exclusive offers and discounts through the Offers + Perks Visa program
- Protection for your smartphone (free repair or replacement) by paying your bill with this credit card.
This plastic also includes some fees, such as:
- Late payment: $25
- Minimum interest: $1
- Returned payment: $25
- Foreign transaction: 2% of amount in USD
- Cash advance (26.49% to 29.49%): $5 or 3% of the amount (whichever is greater).
First Citizens Bank's Smart Option credit card can give you a very attractive interest rate and a number of benefits that can be very convenient for you.
If you still think you need better features, Busconomico's database contains the most sought-after credit cards in this category.
Español: Tarjeta Smart Option del First Citizens Bank