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!
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.
You will first be asked to supply this information:
Below is the housing information that will be asked of you:
Choose the employment status that best describes your circumstance and fill out the fields accordingly. You will also need to provide your annual income.
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.