Why give money away? The co-signer is often a parent or someone you trust, and they’ll need to have good credit to help you get approved. INTEREST RATE Variable Rate: PRIME + MORE DETAILS LIMIT AND USES • $500 — $5,000 • Build credit • Upgrade to unsecured status. Stay informed. Use Digital Wallets, including Apple Pay®, Samsung Pay™ and Google Play™ to pay in store, online, and in app. The only other Citizens Bank business credit card is the Business Platinum Mastercard, which has no rewards. Everyone has different credit starting points; to continue with the analogy, some will find themselves building from scratch while others will be trying to restore a credit score fixer-upper. Its APR range is 8.24% - 19.24% (V), compared to 11.24% - 21.24% (V) for the Everyday Points card. Don’t max out your cards ­— keep your credit utilization low (under 30%). The deposit is held as collateral in case you default on your payments. Choosing the right credit card is easier than ever. Manage your cash flow simply and efficiently. The Citi ® Secured Mastercard ® is a credit card designed specifically for people who are new to credit or want to rebuild their credit. Redeem your rewards points for cash-back awards, retail gift cards, airfare, travel and a wide variety of merchandise … A First Citizens Secured Savings Account is required to obtain the Secured Credit Card Account. Benefits. See if you are on track for retirement or need to make adjustments, Learn more about the different wealth solutions available and see which ones are right for you. Pro tip: The best piggybacking sponsors might be your parents or a spouse. Let’s get started. Our staff is available to meet with you face to face as opposed to calling a toll free number during the process. Member FDIC. Pay your bills on time. References to resources or organizations listed in this article do not constitute or imply endorsement or support by Citizens Bank. Piggybacking is when an extremely trusting person allows you to become an authorized user on their credit card. Standard APR. VISA® CREDIT CARDS. Apply Now for Bank of America ® Cash Rewards Secured credit card Learn More about Bank of America ® Cash Rewards Secured credit card Add to compare. To learn more about our credit cards and debt consolation loan options, please call 1-888-333-5145, visit us online, or schedule a Citizens Checkup at your nearest Citizens Bank branch. Dispute anything that looks incorrect directly with each bureau. Piggybacking is a shared responsibility. The Discover it ® Secured credit card is a well-regarded option as it doesn't have an annual fee and allows you to earn cash back rewards. To learn more, please visit: The zip code you entered is served by Citizens One, the brand name for Citizens Bank's lending business outside of our 11‑state branch footprint. Building good credit is a lot like building or renovating your first home. Its optional extra features include travel insurance, roadside assistance, credit monitoring, and automatic payment options. There are a lot of websites and apps that will provide your official credit score for free. If your credit rating is lacking a co-signer could help you get a loan, and help build your credit rating. *2 - Late payments and going over the credit limit may damage your credit history. Smart spending habits will help you become a responsible borrower — and increase your credit score. Plus get $50 cash back*1 after your first purchase - all with a low annual fee. VISA ® Privilege. With a home equity line of credit (HELOC) or home equity loan, you can get the affordable cash you need to reach life's goals. Read reviews and make sure the site or app you choose is trustworthy. Once you have some credit established, your financial well-being depends on maintaining good credit habits. Watch your rewards add up fast with 1 point for every $1 you spend on eligible net purchases, and receive automatic bonus points each month. Interest Rates & Fees Summary † Introductory APR. ANNUAL FEE $0. We specialize in VA and Conventional loan programs featuring in-house processing, underwriting, and closings. You should feel good about that! Payment history is 35% of your credit score! If you find you’re not able to pay the entire balance, you are probably overspending. Our home loan experts are here to help you make informed decisions whether you are planning to buy, build, update, or refinance your home. Citizens Bank; Comenity Bank; Commerce Bank; Deserve; First Hawaiian; First Interstate Bank; First PREMIER® Bank; First Progress; FirstSavings Bank; Fleetcor; Genesis; KeyBank; Navy Federal CU; Santander Bank; SunTrust Bank; WebBank; ADVERTISER DISCLOSURE. At this point, don’t get caught up chasing fancy reward offers. Apply Now, Earn cash back*1 every time you use your card: 3% on gas, 2% at supermarkets, and 1% on all other eligible net purchases, plus $25 cash back*1 after your first purchase. Citizens Bank Everyday Points Business Mastercard is a secured credit card credit card issued by Citizens Bank. The deposit is held as collateral in case you default on your payments. All rights reserved. Apply Now, Start building (or rebuilding) your credit history, even if you've been turned down for other credit cards, with flexible credit lines based on a security deposit and a low annual fee. To get the credit-building benefits of piggybacking, first have the primary card holder call the card company to make sure it reports authorized user activity. Our financial services for healthcare professionals are designed to reward that effort with education refinance savings, mortgage benefits, and more. 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