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Firstcard® Secured Credit Builder Card
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Get a credit card without a social security number

Get a credit card without a social security number

No SSN? Start with your passport.

Firstcard has helped many

IMMIGRANTS Students Non-US Citizens Expats

get a credit card without an ssn

We know your creditworthy. Let's show it to the world.

Get a credit card without an SSN.

We designed a credit card for immigrants without an SSN.  If you’ve just arrived in the U.S. and don’t have an SSN or ITIN, you can apply with your passport.

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Get Started

credit building made easier

Make every purchase count towards better credit by using your Firstcard. Build credit effortlessly as you dine, shop, and enjoy your everyday activities.

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Start your journey in
the u.s. the right way
with better credit

Start your journey in
the u.s. the right way
with better credit

Get Started
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!

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Get up to 10% 
Random Cashback3

Play the roulette in the app to earn up to 10% random cashback after every purchase.

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Get Started

Earn up to 4.25% APY1 on your money

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

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

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APY
1.25%
4.25%4
Chase
0.01%6
Bank of America
0.01%7
Wells Fargo
0.01%8
Info
What is an APY?
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Jumpstart your credit journey and build a better tomorrow

Jumpstart your credit journey and build a better tomorrow

Get Started

值得信赖的安全和支持

安全保障为第一
安全保障是 Firstcard 的首要任务。Firstcard 采用符合行业标准的加密技术，确保您的账户和信息安全无虞。
安全资金保障
您的 Firstcard 账户资金通过我们的银行合作伙伴 Regent 银行（FDIC 成员）投保，最高保额为 250,000 美元。
国际万事达卡
我们与万事达卡合作，万事达卡对未经授权的费用提供0责任保护。

Questions From People with No SSN

Is it even possible to get a credit card without a Social Security Number?
Yes, you can get a credit card without a Social Security Number. Typically people searching for a credit card without a social security number would include recent or future immigrants, international students, and expats. You can get a credit card without an SSN from some secured credit card providers such as Firstcard. Firstcard does not require an SSN for a credit card if you have an ITIN or passport.
What alternatives are there to a Social Security number?
  • Individual Taxpayer Identification Number (ITIN): This IRS-issued number can be used instead of a Social Security number for various purposes, including credit card applications.
  • Passport: With Firstcard, we allow users to apply for our secured credit card with a passport.
Where can I find credit cards that don't require a Social Security number?
  • ITIN-friendly issuers: Research banks or credit card companies known to accept ITINs 
  • Cards with relaxed requirements: Some issuers like Firstcard may offer secured cards or student cards with less stringent application processes.
What are the drawbacks of getting a credit card without a Social Security number?
  • Limited choices: You may have fewer credit card options compared to applicants with Social Security numbers.
  • Requirement of security deposits: Secured cards, often used to build credit, typically require a cash deposit as security 
  • ‍Potential for higher interest rates: Cards issued without a Social Security number may come with higher interest rates due to the perceived increased risk by the issuer.
How can I build credit without a Social Security number?
  • ITIN credit reporting agencies: Some credit bureaus offer credit reporting products specifically for ITIN holders
  • ‍Become an authorized user: Get added as an authorized user on someone else's credit card in good standing. Their positive credit history can improve yours 
  • ‍Non-credit alternatives: Make on-time payments for rent, utilities, and other bills. Some services can report this activity to credit bureaus, potentially improving your credit score.

our users love us

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
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
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.
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
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.
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
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 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.
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.
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
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
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.
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
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.
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
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 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.
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.

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FTC

The Firstcard debit and credit cards are issued by Regent Bank, pursuant to a license from Mastercard. Firstcard is a financial technology company, not a bank. Banking services are provided by Regent Bank; Member FDIC.

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

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2 

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

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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 October 2023. Users with no SSN or ITIN on file are not currently eligible to earn interest. No minimum balance is required. Fees may reduce earnings on the account.

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2 

Firstcard+ 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.

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2 

Data pulled from Chase Bank as of October 20, 2023: https://www.chase.com/content/dam/chase-ux/ratesheets/pdfs/rdfl1.pdf

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2 

Data pulled from Bank of America as of October 24, 2023: https://www.bankofamerica.com/deposits/bank-account-interest-rates-modal.go

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2 

Data pulled from Wells Fargo as of October 24, 2023: https://www.wellsfargo.com/checking/prime/

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2 

Data pulled from Discover It Secured Credit Card as of October 16, 2023 https://www.discover.com/credit-cards/secured/

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2 

Data pulled Chase Freedom Unlimited credit card from as of October 16, 2023 https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited

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Data pulled from Bank of America Secured Credit Card as of October 16, 2023 https://www.bankofamerica.com/credit-cards/products/secured-credit-card/

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2 

According to the FDIC, the national average interest rate on savings accounts is 0.45% APY (as of July 15, 2024). https://www.fdic.gov/resources/bankers/national-rates/.