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Firstcard® Secured Credit Builder Card
Info

Credit building for all

credit building for all

When other banks reject you, we're the first to believe in you.
Get StartedGet Started
Seen in

How does Firstcard work?

Your money is FDIC-insured up to $250,000 through Regent Bank, member FDIC.
Info
Firstcard is a technology company, not a bank. Banking services provided by Regent Bank.
We report to all three major credit bureaus

Who's the first to believe that you are creditworthy?

We are. Let's build your credit together.

Credit building for everyone

  • Accepts international students,
 immigrants and foreigners without SSN.
  • No credit check or hard inquiry.
  • No overspending.
  • 0% APR.
  • Earn money while you spend.
You’re pre-approved1
You’re pre-approved1
We report to all 3 major credit bureaus

Build credit as your spend

Build credit
with every purchase

Turn everyday purchases into opportunities to grow your credit score effortlessly.
Get Started
Dining
Electronics
Rent
Car
KTV
Tuition
Coffee
Get Started

we’re not like the others

No credit checks
No overspending risk Info
Accepts international people without an SSN
APY
Info
(Interest you earn on deposit)
APR
Info
(Interest you pay)
0.75% with Firstcard Standard
2.00% with Firstcard+
‍4.00% with Firstcard Premium5
0%
Discover Secure

Card
0%
Up to 28.24%9
Chase Freedom
Credit Card
0%
20.49% - 29.24%10
Bank of America Secured Card
26.24%11
For cardholders without an SSN, credit monitoring and APY features are unavailable.
For ITIN cardholders, APY feature is available; however, credit monitoring remains unavailable.
Get Started

EARN UP TO 15% CASHBACK AT 29,000+ PARTNER MERCHANTS

Whether it's coffee, groceries, dining, or online shopping, enjoy cashback that puts your money right back in your pocket!
Get Started

Get up to 10% 
Random Cashback3

Spin the wheel in the app to earn up to 10% random cashback after every purchase.
Get Started
Get Started

Earn up to 4.00% APY1 on your money

The national average interest rate on savings accounts is 0.45% APY12. 

We are not greedy. We want to offer our members a much better rate so they can grow their money faster.

Get Started
APY
0.75%
2.00%
premium
4.00%4
Chase
0.01%6
Bank of America
0.01%7
Wells Fargo
0.01%8
Info
What is an APY?
Get Started

CHOOSE THE RIGHT SECURED CARD FOR YOU

No credit checks. You’re pre-approved!
Monthly
Yearly
Save up to 23%
Build Your Credit on a Budget
Standard
$4.99/month
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
0.10%
APR
0%
APY
0.75%
Foreign transaction fee
3%
Get Started
Build Your Credit
$8.99/month
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
0.50%
APR
0%
APY
2.00%
Foreign transaction fee
1.5%
Get Started
Build Credit
with Cashback and APY
Premium
$12.99/month
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
1%
APR
0%
APY
4.00%
Foreign transaction fee
0%
Get Started
Standard
$4.99/
month
$8.99/
month
Premium
$12.99/
month
Credit building
Credit monitoring
Up to 15% Cashback
APR
APY
Foreign transaction fee
0%
1.25%
3%
+ In-depth credit report
0%
2.5%
1.5%
+ In-depth credit report
0%
4.00%
0%
Build Your Credit on a Budget
Standard
$48/yearly
Save $11.88
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
0.10%
APR
0%
APY
0.75%
Foreign transaction fee
3%
Get Started
Build Your Credit
$84/yearly
Save $23.88
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
0.50%
APR
0%
APY
2.00%
Foreign transaction fee
1.5%
Get Started
Build Credit
with Cashback and APY
Premium
$120/yearly
Save $35.88
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
1%
APR
0%
APY
4.00%
Foreign transaction fee
0%
Get Started
Standard
$4.99/year
Save $11.88
$84/year
Save $23.88
Premium
$120/year
Save $35.88
Credit building
In-depth credit report
Up to 15% Cashback
APR
APY
Foreign transaction fee
0%
1.25%
3%
+ Credit monitoring
0%
2.5%
1.5%
+ Credit monitoring
0%
4.00%
0%
free
$4.99/month
or
$48/year
APY
0.75%
2.00%4
Credit monitoring feature
Additional 1% cashback on top of Merchant Cashback2 and Random Cashback3
Foreign transaction fee
1.5%
Free
Get Started
Free
APY
1.25%
Credit monitoring feature
Additional 1% cashback on
top of Merchant Cashback2
and Random Cashback3
Foreign transaction fee
1.5%
Get Started
$4.99/month
or
$50/year
APY
4.25%
Credit monitoring feature
Additional 1% cashback on
top of Merchant Cashback2
and Random Cashback3
Foreign transaction fee
Free
Upgrade
For cardholders without an SSN, credit monitoring and APY features are unavailable.
For ITIN cardholders, APY feature is available; however, credit monitoring remains unavailable.

Security & support you can trust

Safe and Secure
Firstcard uses industry-standard encryption technology to ensure your account and information are safe and secure.
Insured up to $250,000
Money in your Firstcard account is insured up to the maximum amount of $250,000 through our bank partner Regent Bank, a member of FDIC.
Powered by Mastercard
Powered by Mastercard with Zero Liability Fraud Protection guarantee for unauthorized charges.

We're transparent with fees

  • No APR or interest
  • No late fees.
  • No overdraft fees.
  • No setup fees
  • No minimum deposit requirement
Get Started

MultiLingual Customer Support

To better serve our diverse community, we now offer customer support in five languages: English, Chinese, Japanese, Spanish, and Portuguese.
Get Started

our users love us

Easy to use credit builder card

The no-overspending risk and no annual fees were what drew me to Firstcard. The bonus cashback feature is a fun addition, and it's helped me save money effortlessly on everyday purchases.

Katherine K.
Perfect for international students & immigrants!

This app is great to build credit and not worrying about overspending. I recommend this to college students who are in need of building strong credit.

Boris M.
A must have!

Firstcard offers a top-notch banking experience that’s convenient, secure, and reliable. From the moment I signed up I was impressed by its user-friendly interface and seamless integration. I highly recommend it to anyone looking for a modern payment solution!!

Bella H.
The stress-free way to build credit in college

Firstcard has been a game-changer for my finances as a college student. The cashback rewards are fantastic, and I love that there are no hidden fees. It's perfect for managing my spending and building credit without stress.

Brody M.
The best way to build credit without an SSN

As an immigrant, I struggled to find a credit card. Firstcard was the perfect solution with their no-SSN requirement. Now, I can build credit and earn rewards with every purchase.

Hana P.
Reliable and user-friendly!

Moving to a new country comes with its challenges, but Firstcard made building my financial life here so much easier. The no-SSN requirement was crucial for me. The app is user-friendly and helps me keep track of my spending and savings. Firstcard has truly been such a reliable financial partner for me as an immigrant.

Amara A.
A must-have for newcomers

Firstcard's approach to helping immigrants build credit is outstanding. The customer service is very supportive, and the cashback rewards make everyday purchases more rewarding. It's a must-have for newcomers.

Vidya K.
A lifesaver

Firstcard made it incredibly easy for me to establish credit as a new immigrant. The fact that they don't require an SSN was a lifesaver and the high cashback rates are just icing on the cake!

Henry Z.
A great card for immigrants!

Getting started with Firstcard was smooth and hassle-free, even without an SSN. The app is intuitive, and the financial tools have been very helpful in managing my budget and building credit. A great card for immigrants!

Amin H.
My favorite app for finances

Whether I’m tracking expenses or making purchases, everything is just a few taps away saving me time and hassle. Firstcard has revolutionized the way I manage my finances!

Bella H.
Love the app!

As an immigrant founder, I had no idea how to start building credit when I moved to the U.S. Then I learned about Firstcard through a friend. Firstcard made building credit so much easier. I was able to increase my credit score by 20+ in just a few weeks and the app is so simple to use! I'm a huge fan of Firstcard!

Yo Shibata
Firstcard makes credit building fun!

Firstcard's cashback program has been a fantastic bonus for me as an international student. Earning up to 15% cashback when I dine out or buy boba and enjoying an additional 10% cashback through the app’s spinning wheel have made managing my expenses while building credit much more fun and rewarding.

Leon Y
Safe Credit Building with Autopay!

I love using Firstcard as an international student! The autopay feature ensures my card is always paid off on time, helping me to build credit safely. The excellent cashback rewards are a great way to save a little extra money whenever I shop or eat out. Thanks to Firstcard, I’m able to build my credit and manage my expenses effectively in the US.

Patricia P
The easiest way to build credit in the US!

If you’re an international student looking for the easiest way to start building credit in the US look no further! Firstcard’s credit-building features are top-notch, and the ease of use without requiring an SSN are just a few of the reasons why I love Firstcard.

Nicholas S.
Firstcard makes my financial life abroad much easier

Managing my finances in a new country was a major concern, but Firstcard made it so much easier. The support team is always responsive and helpful, and I can ask questions and receive help in Spanish which is amazing!

Paolo G
The best credit card experience!

The benefits and support provided by Firstcard are fantastic for international students. Would highly recommend to any international student looking for the best card to start building credit in the US

Omari A
Helped me build credit abroad!

The app is straightforward to use, and the financial tools have helped me manage my budget effectively. I love the peace of mind that comes with the app’s security features and the easy money transfers.

Alec P
A must-have for International Students

Firstcard has been an essential tool for me as an international student from India. The app is easy to navigate and offers fantastic features tailored for students

Anika K
Easy to use credit builder card

The no-overspending risk and no annual fees were what drew me to Firstcard. The bonus cashback feature is a fun addition, and it's helped me save money effortlessly on everyday purchases.

Katherine K.
Perfect for international students & immigrants!

This app is great to build credit and not worrying about overspending. I recommend this to college students who are in need of building strong credit.

Boris M.
A must have!

Firstcard offers a top-notch banking experience that’s convenient, secure, and reliable. From the moment I signed up I was impressed by its user-friendly interface and seamless integration. I highly recommend it to anyone looking for a modern payment solution!!

Bella H.
The stress-free way to build credit in college

Firstcard has been a game-changer for my finances as a college student. The cashback rewards are fantastic, and I love that there are no hidden fees. It's perfect for managing my spending and building credit without stress.

Brody M.
The best way to build credit without an SSN

As an immigrant, I struggled to find a credit card. Firstcard was the perfect solution with their no-SSN requirement. Now, I can build credit and earn rewards with every purchase.

Hana P.
Reliable and user-friendly!

Moving to a new country comes with its challenges, but Firstcard made building my financial life here so much easier. The no-SSN requirement was crucial for me. The app is user-friendly and helps me keep track of my spending and savings. Firstcard has truly been such a reliable financial partner for me as an immigrant.

Amara A.
A must-have for newcomers

Firstcard's approach to helping immigrants build credit is outstanding. The customer service is very supportive, and the cashback rewards make everyday purchases more rewarding. It's a must-have for newcomers.

Vidya K.
A lifesaver

Firstcard made it incredibly easy for me to establish credit as a new immigrant. The fact that they don't require an SSN was a lifesaver and the high cashback rates are just icing on the cake!

Henry Z.
A great card for immigrants!

Getting started with Firstcard was smooth and hassle-free, even without an SSN. The app is intuitive, and the financial tools have been very helpful in managing my budget and building credit. A great card for immigrants!

Amin H.
My favorite app for finances

Whether I’m tracking expenses or making purchases, everything is just a few taps away saving me time and hassle. Firstcard has revolutionized the way I manage my finances!

Bella H.
Love the app!

As an immigrant founder, I had no idea how to start building credit when I moved to the U.S. Then I learned about Firstcard through a friend. Firstcard made building credit so much easier. I was able to increase my credit score by 20+ in just a few weeks and the app is so simple to use! I'm a huge fan of Firstcard!

Yo Shibata
Firstcard makes credit building fun!

Firstcard's cashback program has been a fantastic bonus for me as an international student. Earning up to 15% cashback when I dine out or buy boba and enjoying an additional 10% cashback through the app’s spinning wheel have made managing my expenses while building credit much more fun and rewarding.

Leon Y
Safe Credit Building with Autopay!

I love using Firstcard as an international student! The autopay feature ensures my card is always paid off on time, helping me to build credit safely. The excellent cashback rewards are a great way to save a little extra money whenever I shop or eat out. Thanks to Firstcard, I’m able to build my credit and manage my expenses effectively in the US.

Patricia P
The easiest way to build credit in the US!

If you’re an international student looking for the easiest way to start building credit in the US look no further! Firstcard’s credit-building features are top-notch, and the ease of use without requiring an SSN are just a few of the reasons why I love Firstcard.

Nicholas S.
Firstcard makes my financial life abroad much easier

Managing my finances in a new country was a major concern, but Firstcard made it so much easier. The support team is always responsive and helpful, and I can ask questions and receive help in Spanish which is amazing!

Paolo G
The best credit card experience!

The benefits and support provided by Firstcard are fantastic for international students. Would highly recommend to any international student looking for the best card to start building credit in the US

Omari A
Helped me build credit abroad!

The app is straightforward to use, and the financial tools have helped me manage my budget effectively. I love the peace of mind that comes with the app’s security features and the easy money transfers.

Alec P
A must-have for International Students

Firstcard has been an essential tool for me as an international student from India. The app is easy to navigate and offers fantastic features tailored for students

Anika K
You’re pre-approved

join Firstcard today for only

$4.99 a month

  • Build credit faster, cheaper, and safer.
  • No credit checks or hard inquiry. Accepts immigrants and internationals
without an SSN
  • 0% APR (vs. Discover and BOA up to 28.24% APR)
  • Earn APY (aka. interest you earn on deposits)
  • Earn up to 15% cashback at 29,000 partner merchants and up to 10% Random Cashback
  • Multilingual support in English, Chinese, Japanese, Spanish, and Portuguese.
We report to all 3 major credit bureaus

Invest in your future

Start building credit today

Get Started
Get Started
Company
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Terms of useDisclosuresPrivacy PolicyCashback ProgramReferral Program PolicyMarketing Campaign TermsSecurity at Firstcard
Contact Us
FAQsupport@firstcard.app
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© 2024 Firstcard. All rights reserved.
FTC

Firstcard is a financial technology company, not a bank. Banking services are provided by Regent Bank, Member FDIC. Firstcard credit cards are issued by Regent Bank, pursuant to a license from Mastercard. Valid for 18+ and subject to account approval. FDIC deposit insurance up to $250,000 per qualified customer account on a "pass-through" basis; FDIC insurance only covers failure of insured depository institutions. Certain conditions must be satisfied for pass-through FDIC deposit insurance to apply.

Forbes Featured Partner:  https://www.forbes.com/advisor/credit-cards/best/international-students/

Time Featured Partner:  https://time.com/personal-finance/article/best-credit-cards-for-students/

CNN Featured Partner:  https://www.cnn.com/cnn-underscored/money/best-credit-cards-college-students

2 

Valid for 18+ and subject to account approval. Pre-approved means that you have met the initial criteria for this credit card; however, your application may be rejected if any of the following apply: you provided incorrect information or we are unable to verify your identity under federal law; you are under 18 years old.

‍

2 

Merchant Cashback: The amount of cashback is determined by the transaction and participating merchants. See firstcard.app/cashback-policy.

‍

2 

Random Cashback: Users will receive up to 10% of random cashback on qualifying purchases. A qualifying purchase is a purchase that has been processed and accepted by the merchant and has settled in the entrant's Firstcard account. This purchase may, but not necessarily, include tips, holds, and deposits related to the qualifying purchase. Additionally, the following transaction categories are NOT qualifying purchases and will not be eligible to earn entries into random cashback: ATM withdrawals, wire transfers or cash transfers, purchasing gift cards or other cash equivalents, gambling or online casino, peer-to-peer (P2P) transfers, such as Venmo, Cash App, transfers between Firstcard users, or similar services, gambling, bill payment, prepaid phone recharge and any other transaction types that we may deem ineligible at our sole discretion. See firstcard.app/random-cashback-policy.

2 

The Annual Percentage Yield ("APY") for the Deposit Account is variable and may change at any time. The disclosed APY is effective as of November 7, 2024. Users with no SSN or ITIN on file are not currently eligible to earn interest. No minimum balance is required. Firstcard Standard members are eligible for 0.75% APY. Firstcard+ members are eligible for 2.00% APY. Firstcard Premium members are eligible for 4.00% APY. Annual fees and other fees may impact your yield.

‍

2 

Firstcard Premium customers will earn an additional 1% unlimited cashback on all eligible credit card purchases. Exclusions apply. Cashback rewards are not earned on ATM withdrawals, P2P transfers, purchases of gift cards or other cash equivalents, and certain other types of transactions as determined by Firstcard. Cashback is awarded within 7 days of the eligible transaction posting to your account. No minimum balance required to earn cashback.

‍

2 

Data pulled from Chase Bank as of November 7, 2024: https://www.chase.com/content/dam/chase-ux/ratesheets/pdfs/rdfl1.pdf

‍

2 

Data pulled from Bank of America as of November 7, 2024: https://www.bankofamerica.com/deposits/bank-account-interest-rates/

‍

2 

Data pulled from Wells Fargo as of November 7, 2024: https://www.wellsfargo.com/checking/prime/

‍

2 

Data pulled from Discover It Secured Credit Card as of November 7, 2024: https://www.discover.com/credit-cards/secured/

‍

2 

Data pulled Chase Freedom Unlimited credit card from as of November 7, 2024: https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited

‍

2 

Data pulled from Bank of America Secured Credit Card as of November 7, 2024: https://www.bankofamerica.com/credit-cards/products/secured-credit-card/

‍

‍

2 

According to the FDIC, the national average interest rate on savings accounts is 0.45% APY (as of November 7, 2024). https://www.fdic.gov/resources/bankers/national-rates/.