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First-Citizens Bank & Trust Company

Secured Cash Back Consumer Credit Card

This credit card is recommended for people with the following credit scores: No score and 620-719

State-by-state
Availability
  • To apply, you must live in Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Oklahoma, Oregon, South Carolina, Tennesse, Texas, Virginia, Washington, West Virginia, and Wisconsin
Eligibility requirements
  • State specific

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Phone

(800) 543-9000

Did you know: This card is from a small bank, which often offer lower interest rates and could save you hundreds of dollars per year.

This is a secured card
You may have to pay a security deposit to open and use this card and will only be able to make purchases or get cash advances up to the amount of that deposit.

Purchase interest rate and fees

26.24%* Purchase APR

*As of . Advertised purchase APRs change over time. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score Median purchase APR Comparison to other cards
620-719 26.24%
2 dollar sign symbols
Pay average interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee
3% of each transaction in U.S. dollars
Minimum finance charge
A minimum interest payment of $1 is required to avoid additional fees
Grace period
21 days until interest begins to accrue on purchases
Balance computation method
Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index
The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$29 Annual fee
Late fee
$28 for the first late payment and $39 for a late payment within six billing cycles of another late payment
Over-limit fee
None
Return Payment Fee
$25 (If a payment is returned)

Rewards and perks

Cash back Rewards
Services
  • Access to Free Credit Scores
  • Cell phone protection Porch piracy protection Roadside assistance Identity protection Visa credit monitoring
Card features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

This card does not offer cash advances.