Snapshot

Smart Option Visa
Smart Option Visa
Avant Credit Card
Avant Credit Card
IssuerFirst Citizens BankAvant (WebBank)
NetworkVisaMastercard
Card MaterialPlasticPlastic
Annual Fee$0.00$39.00
Base Rate0.00%0.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee3%0%
LifecycleAvailableAvailable

Welcome Offer

BonusNoneNone
Spend Requirement
Timeline

Rewards Breakdown

Base Rate0.0% (base)0.0% (base)
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR15.24% - 25.24%25.99% - 29.99%
Cash Advance APR25.24%29.99%
Penalty APRN/AN/A
Late Fee$40$39
Balance Transfer Feeundefined% (min $0)N/A

Insurance & Protections

Auto RentalSecondary
Baggage Delay
Baggage Loss
Cell Phone Protection
Extended Warranty
Purchase Protection
Return Protection
Trip Cancellation Interruption
Trip Delay
Tsa Precheck Global Entry

Usability & Experience

Digital WalletN/AN/A
Instant Card Number
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard