Secured Cash Back Credit Card

Earn cash back while you build your credit

Get peace of mind with your card

Our secured cash back credit card lets you earn cash back while you work toward building or rebuilding your credit. It's a win-win.

Unlimited cash back

Earn 1% cash back on every $1 you spend on qualified purchases.D

Raise your score

Use your card responsibly to help establish or build your credit.

A card that evolves

Eligible accounts will be upgraded to an unsecured Cash Rewards account with additional benefits.D

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Secured Cash Back Credit Card 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
  • Use this credit card to help build credit and improve your score

Secured Cash Back Credit Card Details
Card details and transaction fees

Purchase rate

Variable 26.24% APRD

Annual fee

$29D

Balance transfers

Variable 26.24% APRD

Foreign transactions fee

3% of each transaction in US dollars

Pay with your phone

Add your cards to your mobile device and pay securely with Digital Wallet.

Get alerts

Track your accounts and transactions with text and email alerts.

Pay your bills

Automate your bill payments with Digital Banking for extra peace of mind.

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

Learn more about managing your card security and alerts

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

Learn more about managing your card security and alerts

Secured Cash Back Credit Card FAQ
People often ask us

A secured credit card is a special credit card that requires you to put down a cash security deposit when you open the account. If you default on your payments, the cash deposit will serve as collateral. It also determines your credit limit (between $500 and $5,000 for our Secured Cash Back Credit Card.) The deposit is refundable if you close your account with no balance or graduate to an unsecured card. Secured credit cards can be especially useful for people with bad credit or little to no credit history.

Like any other credit card, you need to apply for a secured credit card. Once you've applied, we'll review your application, credit report and other information to determine whether you qualify. You'll hear back from us within 48 hours.

If you use a secured credit card responsibly, it can help build and improve your credit.

Cardholders earn 1% unlimited cash back on every $1 spent on qualifying purchases. That means for every $100 you spend, you'll earn $1 in rewards dollars. Certain terms, conditions and exclusions apply.

Yes. Cash back rewards expire after 3 years, on the last day of the month in which they were earned. For example, rewards dollars earned on January 3, 2023, will expire on January 31, 2026.

No. You begin earning rewards with the first dollar spent on qualifying purchases.

You can check your balance or redeem your cash back online anytime by logging in to Digital Banking. Then:

  • Choose your credit card account
  • Navigate to the Details & Settings tab
  • To redeem, select Rewards Balance under the Access Rewards header to be connected directly to the rewards website

You can also check your balance or redeem cash back by calling the First Citizens Rewards Center at 866-645-1694, Monday through Saturday from 8 am to 9 pm ET and Sunday from 8 am to 6 pm ET.

You can redeem your cash back for a number of rewards:

  • Cash back: Cash back rewards can be redeemed as a statement credit on your credit card account or as a deposit into your First Citizens checking or savings account.
  • Pay Me Back®: Redeem rewards to reimburse yourself for purchases made on your First Citizens credit card. Pay Me Back redemptions must be made within 60 days of original qualifying purchases of $100 or greater. Some exclusions apply to certain categories of transactions. No statement credits will be applied against any monthly minimum payment due.
  • Pay My Loan: Redeem rewards for a credit that's applied toward your First Citizens mortgage or personal loan.
  • Donate to Teen Cancer America: Donate the rewards you've earned to open the door to better care and brighter futures to support teens in the fight against cancer.

No. There's no limit or cap on earning cash back with our secured cash back credit card.

You can redeem your cash back in any amount over $25. As long as it's $25 or more, you can request checking or savings deposits and statement credits in any amount down to the penny.

Please note that statement credits can't be applied toward any monthly minimum payments due.

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Many credit cards come with travel protections like insurance that covers stolen phones, flight delays or other situations that can arise on a trip.

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.

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

DOVLY Uplift™ credit monitoring, Cellular Telephone Protection, Travel and Emergency Assistance Services, Auto Rental Collision Damage Waiver, Porch Piracy Protection, Rideshare Protection and Trip Delay Reimbursement provided by Visa®. Certain terms, conditions and exclusions apply. For complete details, please refer to Your Guide to Benefits for Visa Signature Cardholders (PDF) or Your Guide to Benefits for Visa Traditional Cardholders (PDF).

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 December 31, 2024, is 7.50% and may vary in the future. The transaction fee for cash advances is $10 or 5% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactions is 3% (0% for Travel Rewards) 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.

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 or state law, including the Credit Repair Organizations Act. First Citizens Bank and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.

 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.

Insurance products offered in California are offered by First Citizens Investor Services, Inc., d.b.a. FCIS Insurance Solutions, Agency #6001908.

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 December 31, 2024, is 7.50% 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.

NMLSR ID 503941