Reviews

First Citizens Bank Secured Cash Back Credit Card review

Boost your score and earn unlimited cash back. Find out more in this First Citizens Bank Secured Cash Back Credit Card review!

Advertisement

First Citizens Bank Secured Cash Back Card: earn cash back for every $1 spent

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

Here is our post about a card that can boost your credit and provide cash back: First Citizens Bank Secured Cash Back Card review.

First Citizens Bank logo

Apply for First Citizens Bank Secured Cash Back

Want to know how to apply for the First Citizens Bank Secured Cash Back Card? We'll show you how easy it is! Earn cash back on purchases!

Let’s explore why this product is a powerful choice for improving one’s credit and enhancing your purchase power. So read on and learn more!

  • 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.

First Citizens Bank Secured Cash Back Credit Card: how does it work?

The First Citizens Bank Secured Cash Back Card is a credit builder/rebuilder card that offers unlimited 1% cash back on all eligible purchases.

Customers can redeem the earned cash back as either statement credit or have it deposited directly into a First Citizens account.

Additionally, this cash back reward never expires, so you can save up your rewards as long as you like.

Minimum security deposit 

To start using the card, customers must make a minimum security deposit of $500 which can range up to $5,000. Also, the security deposit is refundable.

Depending on individual circumstances and payment information, this amount will determine the customer’s credit limit.

FICO score credit monitoring and cell phone protection 

Another main benefit of this card is that it allows customers to easily monitor and manage their FICO scores through their online accounts.

Cardholders also get access to cell phone protection in case of damage or theft.

First Citizens Bank Secured Cash Back Credit Card: should you get one?

Close-up view of female hands typing on keyboard of laptop
Find out the main benefits of this credit card. Source: Freepik

With the First Citizens Bank Secured Cash Back Card, you can establish or rebuild your credit while earning rewards.

So, if you are looking for cash back on your purchases and a way to improve your score, maybe you could try it.

Here are some of the advantages and drawbacks of this card.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Pros

  • It helps build or rebuild your credit score;
  • Unlimited 1% cash back on eligible purchases;
  • Free access to your FICO score;
  • Cell phone protection.

Cons

  • It charges an annual fee;
  • 3% foreign transactions fee.

Credit score required

A First Citizens Bank Secured Cash Back Credit Card may be a great fit for establishing credit.

As a result, it accepts poor/bad credit. This way, you won’t need to worry about your credit score to get this card. 

First Citizens Bank Secured Cash Back Credit Card application: how to do it?

Looking forward to building your credit and saving some money on cash back? Stay tuned to learn how to apply for the First Citizens Bank Secured Cash Back Credit Card!

First Citizens Bank logo

Apply for First Citizens Bank Secured Cash Back

Want to know how to apply for the First Citizens Bank Secured Cash Back Card? We'll show you how easy it is! Earn cash back on purchases!

Trending Topics

content

Discover it® Cash Back Credit Card application: how does it work?

Learn how to apply for the Discover it® Cash Back Credit Card. Earn up to 5% cash back on purchases and double it after the 1st year!

Keep Reading
content

12 Best Financial Literacy Books to Empower Your Finances

Discover the ultimate guide to financial empowerment with our in-depth exploration of the top 12 financial literacy books. Read on!

Keep Reading
content

Holiday shopping: 7 best credit card safety tips

Take these credit card safety tips to protect your hard-earned money from thieves and hackers during the holiday. Learn how to be safe.

Keep Reading

You may also like

content

SoFi Student Loans Review: No Fees at All!

Looking for a no-fee student loan to finance your education? Check out our review of SoFi student loans - pay no fees! Read on!

Keep Reading
content

Affordable Connectivity Program (ACP): see how to apply

Find out if you are eligible for the Affordable Connectivity Program, and get help with internet costs monthly. Read on!

Keep Reading
content

Apply for the BMO Ascend World Elite®* Mastercard®*

Apply for the BMO Ascend World Elite®* Mastercard®* to unlock elite travel rewards, extensive insurance, and exclusive luxury perks.

Keep Reading