First Citizens Smart Option Visa Card Review

Who is the First Citizens Smart Options Visa Card for?

The First Citizens Smart Options Visa Card is a good card for new card owners looking to gain experience with credit cards. In addition, current cardholders with a secured account should consider the Smart Options card if they’re looking to move towards an unsecured credit card. 

With no annual fee and a low interest rate, this card is a cheap option for people to use while building their credit scores. However, it also comes with a foreign transaction fee, so frequent travelers should consider other credit cards.

Benefits

During the first 12 months, cardholders enjoy an introductory 0% APR on balance transfers. Through this feature, customers can transfer funds from other accounts to their First Citizens Card account without facing annoying fees. 

Cardholders also enjoy the lowest interest rate offered by First Citizens Bank. In conjunction with no annual fees, this card is an inexpensive option that provides many features for cardholders to use.

Since this card is issued by Visa, cardholders receive Visa discounts on purchases at hundreds of stores. From touring the San Francisco Museum of Modern Art to buying a new Lenovo computer, cardholders enjoy cheaper prices on all the products they love.

Services and Protections

The First Citizens Rewards Visa Card is compatible with digital wallet apps like Apple Pay, Google Pay, and Samsung Pay. This feature makes it easy for customers to pay with their First Citizens Card hassle-free.

Additionally, a support hotline is available 24/7 to help customers with any suspicious activity or questions they may have regarding their card account. If customers believe their information is at risk for identity theft or that an incorrect purchase appeared on their monthly statement, they can contact the First Citizens support hotline at any time of the day to receive help.

Since this card is issued by Visa, cardholders have access to extended warranty protection on certain purchases and cellular telephone protection, which insures against damages or theft. When traveling, cardmembers can also contact emergency support in case of illness, legal troubles, or other incidents.

Conclusion

The First Citizens Smart Option Visa Card is a good card for building credit and gaining experience with credit cards. This card is equipped with a low interest rate and no annual fee, making it a cheap option for people new to unsecured credit cards to use. This card does not come with a rewards program or cash back features, so potential cardholders should be aware of that. In addition, this card comes with a 2% foreign transaction fee and no travel benefits, so frequent travelers may want to pick other options. For a solid credit card that offers plenty of features at a low price, the First Citizens Smart Option Visa Card is a great card to consider.