How to Apply for the First Citizens Smart Option Credit Card

The First Citizens Smart Option Credit Card is aptly named, it has no annual fee, offers First Citizens Bank’s (FCB) lowest interest rate and gives you the opportunity to bank with their fantastic online portal. It doesn’t feature any rewards program so this may be the perfect card to transfer a balance onto and let sit while using your other rewards cards for the majority of purchases. If you’d like more information on how to get your hands on one of these, scroll down and review our application guide. Before we begin however, it should be made known that only those with pre-existing accounts with FCB are eligible for this visa. If this is the case, lets get to it!


Read over the privacy policy before you enter in any sensitive onto this portal.

How to Apply

The application forms can be obtained through navigation to the card summary page and pressing the Apply Now button followed by the Open Now link on the secondary page.


first-citizens-bt-optimum-apply-2Step 1-Personal Information

You will first be asked to supply this information:

  • Full Name
  • Email Address
  • Physical Address
  • Phone Number
  • SSN
  • Date of Birth
  • Mother’s Maiden Name
  • Do you, an immediate family member or close associate, hold or have held a senior foreign political position Y/N?
  • Have you, or a family member, ever been associated with an embassy or foreign consulate Y/N?

first-citizens-bt-optimum-apply-3Step 2- Housing Information

Below is the housing information that will be asked of you:

  • Time at current address
  • Rent/Own/Other ?
  • Monthly Housing Payment
  • Mailing Address (if different)
  • Time at previous address
  • Previous address

first-citizens-bt-optimum-apply-5Step 3-Employment information

Choose the employment status that best describes your circumstance and fill out the fields accordingly. You will also need to provide your annual income.

first-citizens-bt-optimum-apply-6Step 4-Disclosures

Read through the terms and conditions if you haven’t done so already, and if you assent, check off the box and click submit to send your application in for review.