The Smart Option Visa, issued by First Citizens Bank, is a solid choice in the market.

Smart Option Visa Payoff Analysis

Smart Option® Visa® Payoff Analysis

This tool is provided "AS IS" for informational purposes. It does not constitute financial or legal advice. Projections are based solely on user inputs and may not reflect current issuer terms. Users must verify all data against their official cardmember agreements. See full Terms.

Time to Pay Off
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Rewards Earned --
Interest Paid --
Interest Earned ? Interest earned by keeping your cash in a yield-bearing account during the grace period.

Formula: Balance × (APY / 365) × Days. --
TOTAL DEBT SERVICE --
* Estimates use live economic data (Prime Rate: 6.75%) and daily compounding. Does not include new purchases or late fees.

Snapshot

Smart Option® Visa®
Smart Option® Visa®
IssuerFirst Citizens Bank
NetworkVisa (Visa Traditional)
Card MaterialPlastic
Annual Fee$0.00
Base Rate0.00%
Travel Rewards0.00x
Authorized User Fee$0.00
Foreign Transaction Fee3%
Credit ReportingEx, Eq, Tu
Product LifecycleAvailable (8y ago)
Minimum Credit Line$500

Rewards Breakdown

Base Rate0.00%
Anniversary BonusNone
Portal Boost1x

Pricing Details

Purchase APR21.99% - 31.99%
Cash Advance Fee4%
Balance Transfer Fee4%
Late Payment FeeUp to $40
Minimum Interest Charge$1.50
Grace Period21 days
Penalty APRNone

Official Resources

Product Page Pricing & Terms

Usability & Experience

Digital Walletsapple-pay, google-pay, samsung-pay
Customer ServiceUnverified
Instant UseNo

Strategy & Eligibility

Min. Credit Score670+
Recommended RangeGood to Excellent
Chase 5/24 RuleNo
Lifetime RestrictionNone
Active Family RestrictionYes (None)
Closure Grace PeriodNone

Comparisons

See how the Smart Option Visa compares to other cards.

Terms, pricing, and rewards for this card were last verified as of 2026-06-02. While we strive for accuracy, card issuers may change terms at any time. Always verify details on the issuer's official website before applying.