Secured Cash Back

Earn cash back while you build your credit

Benefits

A one-time deposit to earn cash back

A minimum refundable security deposit of $500 is required. It will determine, in part, your maximum credit limit.

  • Redeem your unlimited cash back earnings as a statement credit or direct deposit to a First Citizens account
  • Monitor your credit with your free monthly FICODD score through Digital Banking
  • Protect your cell phoneDD when you pay your monthly cell phone bill with your First Citizens Visa® card
Card Details

Card details and transaction fees

Purchase rate

Variable 21.99% APRD

Annual fee

$29D

Balance transfers

Variable 21.99% APR,D each transfer is subject to a 3% fee (minimum $5)

Foreign transactions fee

3% of each transaction in US dollars

Not quite sure? Answer a few questions to find the right credit card for you.

Manage Your Cards

Access any of our card services from your phone

Temporarily lock your card

Report a lost or stolen card

Notify us if you're traveling

Manage Your Cards

Access any of our card services from your phone

Temporarily lock your card

Manage Your Cards

Access any of our card services from your phone

Report a lost or stolen card

Manage Your Cards

Access any of our card services from your phone

Notify us if you're traveling

First Citizens Rewards

Manage and redeem your rewards online

Log in to our rewards center to check your balance and view redemption options.

Cell Phone Protection

Protect your phone for free

Enroll automatically when you pay your cell phone bill with your First Citizens credit card.

Account openings and credit are subject to bank approval.

For more information, please see the First Citizens Consumer Credit Card Cardholder Agreement and Disclosure (PDF).

 A First Citizens Secured Savings Account is required to obtain the Secured Credit Card Account. At least 100% of the credit line amount must remain on deposit in the Secured Savings Account. The deposit requirement ranges from a minimum of $500 to a maximum of $5,000 based upon the credit line amount. The deposit is refundable if you close your account and pay your balance in full, or if your account is upgraded to an unsecured card. Secured Savings account may have fees.

Qualifying purchases are defined as gross retail purchases less any returns or credits.

Cellular Telephone Protection, Travel and Emergency Assistance Services and Auto Rental Collision Damage Waiver provided by Visa. Certain terms, conditions and exclusions apply. Please refer to Visa's Your Guide to Card Benefits (PDF) for complete details.

APR (annual percentage rate). The Prime Rate used to determine your APR is the Prime Rate as published in The Wall Street Journal on the last business day of the preceding calendar month. The current Prime Rate as of ${date-today} is 3.25% and may vary in the future. The transaction fee for cash advances is $5 or 3% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactions is 2% of each transaction after conversion to US dollars.

Balance transfer must occur within the first 90 days of account opening to qualify for the 0% APR (annual percentage rate) introductory offer and will be subject to a balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater. After the 12 billing cycle period, your APR will default to your purchase APR.

 Periodically, the bank will review Secured Credit Card Accounts to determine whether they qualify for a collateral release and conversion to an unsecured credit card. Not all accounts will qualify for a collateral release and conversion to an unsecured credit card.

FICO® and “the score lenders use” are registered trademarks of Fair Isaac Corporation in the United States and other countries.

The FICO® Score and associated educational content are provided solely for your own non-commercial personal review, use and benefit. First Citizens Bank and Fair Isaac are not credit repair organizations as defined under federal and state law.

 The $29 initial annual fee will be charged to your Secured Credit Card Account during the first billing cycle and every 12 months thereafter.

Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

APR (annual percentage rate) The Prime Rate used to determine your APR is the Prime Rate as published in The Wall Street Journal on the last business day of the preceding calendar month. The current Prime Rate as of ${date-today} is 3.25% and may vary in the future. The transaction fee for foreign transactions is 3% of each transaction after conversion to US dollars.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.