Credit Cards
First Citizens Bank Secured Cash Back Credit Card application: how does it work?
Find out if you can apply for the First Citizens Bank Secured Cash Back Credit Card. Earn unlimited 1% cash back at eligible purchases!
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by Suzana Brito
First Citizens Bank Secured Cash Back Card: boost your credit score fast!

The First Citizens Bank Secured Cash Back Card is a great option for building or rebuilding their credit.
This card offers a competitive interest rate and cash back on purchases. Plus, you can choose your monthly payment date. So, how do you apply? Keep reading to understand.
Apply online
Unfortunately, applying online for the First Citizens Bank Secured Cash Back Card is impossible.
However, you can find a local branch near you on their website. They have physical locations in many countries, so it won’t be hard to find.
You will be redirected to another website
What is this credit card good for?
This credit card is good for building or rebuilding their credit history.
It is also a good choice for those who want a competitive interest rate and to earn cash back on their purchases.
What are the benefits of this credit card?
Some of the benefits of this credit card include the following:
- Competitive interest rate;
- 1% back on your purchases;
- Online account management.
Apply using the app

First Citizens Digital Banking provides a mobile banking solution that allows users to view their accounts, make transactions, and more.
However, you must visit their branches to apply for a card. Their app is a tool that can be accessed after you have your credit card information.
First Citizens Bank Secured Cash Back Card vs. Petal 2 “Cash Back, No Fees” Visa Card
Here are two alternatives for people trying to boost their scores.
Starting with the First Citizens Bank Secured Cash Back Card, available for bad and poor credit scores. Also, you can earn unlimited 1% cash back on eligible purchases.
Secondly, the Petal 2 “Cash Back, No Fees” Visa Card could be a candidate for people with average scores who don’t want to pay an annual fee and earn more cash back.
Which card should you take? It’s up to your needs. So explore their main features below.
First Citizens Bank Secured Cash Back Card
- Credit Score: Bad/Poor;
- Annual Fee: $29;
- Regular APR: 26,24% variable APR on purchases and balance transfers;
- Welcome bonus: No welcome bonuses;
- Rewards: Unlimited 1% cash back on eligible purchases.
Petal 2 “Cash Back, No Fees” Visa Card
- Credit Score: 630-850 (Average – Excellent).
- Annual Fee: No annual fee.
- Regular APR: 17.49% – 31.49%.
- Welcome bonus: No welcome bonus.
- Rewards: Up to 1.5% cash back on everyday purchases.
Do you want to apply for the Petal 2 “Cash Back, No Fees” Visa Card? Then keep reading to get information about the process.

How to apply for Petal 2 Visa Credit Card
Do you know how to apply for the new Petal 2 "Cash Back, No Fees" Visa Credit Card? Read our step-by-step guide on how to go through the process.
Suzana Brito
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