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

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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 Royal First Bank 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 Royal First Bank Visa® card
  • Use this credit card to help build credit and improve your score
Card Details

Card details and transaction fees

Purchase rate

Variable 26.24% APRD

Annual fee

$29D

Balance transfers

Variable 26.24% 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

Learn more about managing your card security and alerts
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

Learn more about managing your card security and alerts
Free Checking

Keep banking simple with free checking

Enjoy the freedom of no monthly maintenance fee when you enroll in paperless statements.
Learn more about free checking
Cell Phone Protection

Repair or replace your phone for free

Enroll automatically when you pay your cell phone bill with your Royal First Bank credit card.
Learn more about cell phone protection
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 Royal First Bank 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 Royal First Bank checking or savings account.
  • Pay Me Back®: Redeem rewards to reimburse yourself for purchases made on your Royal First Bank 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 Royal First Bank 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.

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