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A higher rate that beats many banks.

Grow your money faster and earn more interest on your money with up to 4.00% annual percentage yield (APY) when you use Firstcard Premium.
Your money is FDIC-insured up to $250,000 through Regent Bank, member FDIC. Firstcard is a technology company, not a bank. Banking services provided by Regent Bank, member, FDIC.
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What is apy?

APY is short for "annual percentage yield," which is the interest you earn in a year by putting your money into a bank account. Unlike a simple interest rate, APY factors in compounding and it helps your cash grow faster than simple interest. The higher the APY, the more you earn! Firstcard offers an APY rate that's much higher than many banks!
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Supercharge your money with up to 4.00% APY4

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See how much money you could EARN

Use this calculator to compare how much more money you could earn with Firstcard vs. other banks.1
your money
Save for
$Value

4.00% APY4

$Value

2.00% APY

$Value

0.75% APY

$Value

Chase6

0.01% APY

$Value

Bank of America7

0.01% APY

$Value

Wells Fargo8

0.01% APY

Earn a high apy without the hassle

Traditional banks require transferring funds between savings and checking accounts to earn an interest. At Firstcard, we've streamlined this process, enabling members to earn a high APY without unnecessary steps.
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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.
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Powered by Mastercard with Zero Liability Fraud Protection guarantee for unauthorized charges.

Questions About APY

What is Annual Percentage Yield (APY)? 
APY is short for "annual percentage yield," which is the interest you earn in a year by putting your money into a bank account.
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What is a high-yield savings account?
A high-yield savings account is a type of savings account that offers a higher interest rate on the money you have in the account compared to traditional savings accounts, allowing your money to grow faster.
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Why is APY important?
Unlike a simple interest rate, APY factors in compounding and it helps your cash grow faster than simple interest. The higher the APY, the more you earn!
‍
How is APY calculated?
APY, or Annual Percentage Yield, is a standardized way to measure the return on a savings account, factoring in the effects of compound interest over a year. In other words, it is the interest you earn in a year by putting your money into a bank account.
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Here’s how APY is calculated:
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APY = (1 + r/n​ )n - 1 
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r is the nominal interest rate
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n is the number of compounding periods per year

Find out how much money you can earn with 4.00% APY: Firstcard’s APY calculator
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Does Firstcard offer an APY higher than other banks?
Yes, Firstcard offers an APY rate that's 100x higher than many banks! Firstcard Standard members earn 0.75% APY and Firstcard Premium members enjoy a higher 4.00% APY on the money in their Firstcard Bank Account.
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our users love us

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.
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
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.
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

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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

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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.

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

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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.

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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.

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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.

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

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

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

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

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Data pulled Chase Freedom Unlimited credit card from as of November 7, 2024: 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 November 7, 2024: https://www.bankofamerica.com/credit-cards/products/secured-credit-card/

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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/.