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 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

Keep your account on track to help establish or build your credit.

One-time deposit

We review your account to see when you'll qualify for a refund.D

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
Card Details

Card details and transaction fees

Purchase rate

Variable {product.SCBC.PR_Min_RT} APRD

Annual fee

$29D

Balance transfers

Variable {product.SCBC.BT_Min_RT} 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.

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

Free Checking

Keep banking simple with free checking

Enjoy the freedom of no monthly maintenance fee when you enroll in paperless statements.
Cell Phone Protection

Repair or replace your phone for free

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

People often ask us

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.

There are two ways to check your cash back balance:

When you're ready to redeem your cash back, log in to Digital Banking and select Rewards Balance from the menu.

You can redeem your cash back online anytime by logging in to Digital Banking, then:

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

You can also 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.

Insights

A few financial insights for your life

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Account openings and credit are subject to normal 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 {product.SOC.DISC_WSJ_DT}, is {product.SOC.DISC_WSJ_RT} 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 {product.SOC.DISC_WSJ_DT}, is {product.SOC.DISC_WSJ_RT} 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.