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Card2/4 on file
✓ Annual fee checked
First Citizens Bank · Card

Smart Option Credit Card

No Annual Fee

The Smart Option Credit Card is a credit card from First Citizens Bank with an annual fee of $0. Here is what we hold on it, and what we do not.

Annual fee$0per yearChecked firstcitizens.com
Top earn rateNot confirmedNot published by the issuer where we checked ()
Welcome offerNot confirmedNot published by the issuer where we checked ()
Apply on First Citizens BankCompare this card
Opens First Citizens Bank’s site

Bank with branches in: North Carolina (194), South Carolina (110), California (54), Virginia (34), Florida (27), Georgia (26), Texas (9), Wisconsin (7) and 15 more. Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Smart Option Credit Card, exactly as recorded.

Annual fee
$0Checked firstcitizens.com
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
13.49%–22.49%Checked firstcitizens.com
Income requirement
Not confirmed
Network
Not confirmed
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Smart Option Credit Card. That may mean there isn’t one, or simply that we have not recorded it — First Citizens Bank’s own page is the place to check.

Not published by the issuer where we checked ()
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Smart Option Credit Card. Rather than print a multiplier we cannot source, this stays blank until First Citizens Bank’s own terms give us one.

Not published by the issuer where we checked ()
Next step

Ready to apply for the Smart Option Credit Card?

You'll finish the application on First Citizens Bank's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens First Citizens Bank’s site
Questions

Questions about the Smart Option Credit Card

How much is the Smart Option Credit Card annual fee?

The Smart Option Credit Card has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the Smart Option Credit Card earn?

First Citizens Bank does not publish category earn rates for the Smart Option Credit Card where we checked (October 2026), so we do not print a multiplier.

What network is the Smart Option Credit Card on?

We hold no card network on record for the Smart Option Credit Card. The network determines where a card is accepted and which network-level benefits apply, so confirm it with First Citizens Bank before you apply.

Is the Smart Option Credit Card available in United States?

Yes — the Smart Option Credit Card is issued by First Citizens Bank and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Smart Option Credit Card figures last checked?

We checked its annual fee in October 2026 and its purchase APR in October 2026, each against a published document. Not published by First Citizens Bank where we checked: earn rates and welcome offer. We could not verify, so we do not print: foreign transaction fee. Check them with First Citizens Bank. Terms can change without notice, so confirm the current details with First Citizens Bank before you apply.