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!

Advertisement

First Citizens Bank Secured Cash Back Card: boost your credit score fast!

First Citizens Bank logo
First Citizens Bank Secured Cash Back Credit Card application. Source: The Mad Capitalist

The First Citizens Bank Secured Cash Back Card is a great option for building or rebuilding their credit.

card

Credit Card

First Citizens Secured

Online Reward program

Earn unlimited 1% cash back on eligible purchases! Build credit!

You will be redirected to another website

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.

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

Cheerful guy with dark hair uses mobile phone and banking card for making shopping online orders something in online store enters information does secure payment isolated over yellow background
Learn how the application process for this card works. Source: Freepik

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.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

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.

Petal Logo

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.

About the author  /  Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

Trending Topics

content

Application for the Luxury Titanium card: how does it work?

The Luxury Titanium credit card has premium benefits and will give you reward points in every purchase. Learn how to get yours.

Keep Reading
content

How to build credit with a secured credit card

Are you starting your credit history from scratch? Discover how to use secured credit cards to build credit. Stay tuned!

Keep Reading
content

Pick a Lender Personal Loan review: how does it work and is it good?

Looking for a financial boost? Then read this Pick a Lender Personal Loan review and find out! Get up to $40K in no time!

Keep Reading

You may also like

content

8 easy steps to help you retire early and finally reach financial independence

The path to retire early and reach financial independence starts with a single step. So, check our guide to help you get there!

Keep Reading
content

Chase Secure Banking℠ application: how does it work?

Discover how to make the Chase Secure Banking℠ application – a convenient way to manage your finances better. No minimum deposit.

Keep Reading
content

Delta SkyMiles® Platinum Business American Express Card application

Here's what you need to apply for Delta SkyMiles® Platinum Business American Express Card. Keep reading to find out!

Keep Reading