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Smart Option Credit Card

A no-annual-fee card from First-Citizens Bank & Trust Company.

First-Citizens Bank & Trust Company · VISA

Annual fee?What the card costs to hold each year. Subtracted directly from Net Annual Value. $0 for no-fee cards. Some premium cards charge $500+ but offer statement credits that partially or fully offset the fee if you use them.

$0

Purchase APR?The annual interest rate the issuer charges on any balance you carry. Range reflects that your specific APR depends on your credit profile. If you pay in full each month, APR has no impact on you. If you revolve a balance, the interest cost is often the biggest single line item in the card's math.

13.49–22.49%variable

Foreign transaction?A percentage added to purchases made in a foreign currency (or through a foreign merchant). Matters for international travel. Many travel-focused cards charge 0%; general-purpose cards often charge 3%.

3%