The First Citizens Smart Option (Low-Interest) Visa is a personal credit card from First Citizens Smart Option (Low-Interest) Visa. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 13.49% to 22.49% after a 0% introductory rate for 12 months. Approval typically requires a credit score of Fair (580+) or higher. Rewards: None — purely focused on low-interest financing. This product reports activity to your personal credit report. Excellent for those needing long-term interest-free payoff with consistently low rates. First Citizens Cash Rewards Platinum Visa & Rewards Platinum Visa. BT Fee: $5 or 3% of the transferred amount (whichever is greater). Post-intro APR: 14.24%–23.24% variable, based on creditworthiness