Credit builder card for college students
Build credit early, earn cashback, grow your savings all in one place.
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A whole new way to build credit:
What you deposit is what you can spend
The best way to build credit for college students
Build your credit score every time you spend
No annual fee, late payment, or interest
No more overspending
Accept international students without SSN1
We’re not like the others.
4.25% with Firstcard+4
Credit building for every student, including international students
Accept international students without SSN1
No credit check or hard inquiry
Approve application regardless of your credit history1
Earn up to 15% Merchant Cashback2 at 29,000 partner merchants around your campus
Whether it's groceries, dining, or online shopping, enjoy cash back rewards that put your money back right in your pocket!
Get up to 10% Random Cashback3 on all purchases
Play the spinning wheel in the app to earn up to 10% bonus cashback after every purchase. Yes, you heard it right—you get bonus cashback on every purchase.
Earn up to 4.25% APY on your money
The national average interest rate on savings accounts is 0.6% APY.
We are not greedy. We want to offer students a much better rate so students can grow their money from day one.
Upgrade to Firstcard+5
Security & support you can trust
We are transparent
No hidden fees.
No annual fees.
No interest fees.
No late fees.
No overdraft fees.
No setup fees.
Reviews
Firstcard is really helpful because it allows me to not overspend and be more frugal about what I’m spending every month.
Overall I really have been enjoying my Firstcard and have been recommending it to friends.
Firstcard's high cash back program is an awesome way for college students to get money back without even trying. The app design is super user friendly as well.
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.
Firstcard has made it so easy for me to manage my money and get great cashback deals.
I'm getting cashback on a lot of the purchases and I'm using that all for savings for a trip.
One of the best cards for college students. The app is also very easy to use.
Build your credit early with Firstcard.
This is the best first card you need.
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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.