First Citizens BankSmart Option Credit CardRegistry illustration · issuer artwork unavailable
Smart Option Credit CardFirst Citizens Bank · NM bank, AZ · FDIC 11063
CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer
Purchase APR
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Balance transfer
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Cash advance APR
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Foreign fee
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | — | no source read | |
| APR for balance transfers | — | no source read | |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | Pay no annual feeFirst-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Pay no annual fee”First-Citizens Bank & Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | — | no source read | |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |