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Firstcard® Secured Credit Builder Card
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No Credit History?
No Problem!

We believe that your credit history shouldn’t determine your ability to build credit in the U.S.. Firstcard’s secured credit card for no credit is designed for beginners like you. Want to unlock financial freedom? Start building your credit today!
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How to Get a Credit Card for No Credit

If you are looking to get a credit card for no credit history, we recommend starting with a secured card. Traditional credit cards are often out of reach for people with no credit as they typically require a good credit score (650+) in order to get approved.

Firstcard is designed for people with no credit and an excellent option for people who want to get a secured credit card for no credit. Firstcard pre-approves users  with no credit score and aims to help users build credit quickly and safely.

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Credit Cards for Starting Your Credit Journey

Secured Credit Cards:

Secured credit cards like Firstcard’s credit card for no credit are tailored for individuals new to credit building. These cards require an upfront deposit which serves as your credit limit and don’t require a long credit history for approval. This makes them accessible to students, immigrants, and others looking to establish credit. Unlike the Firstcard® Secured Credit Builder Card which has 0% APR, many have high APR’s which can lead to debt if not used responsibly.
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Student Credit Cards:

Student credit cards for no credit are designed for college students with little or no credit history. They often feature lower credit limits, low fees, rewards tailored to students, and are easier to get approved for. With Firstcard, you get to determine your credit limit and you can earn up to 15% cashback at thousands of on campus retailers.
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Store Credit Cards:

Store credit cards are easier to qualify for individuals with no credit and can help build credit if used responsibly. However, they aren’t the best choice for a first credit card as they often come with higher interest rates, low credit limits (which can hurt your credit utilization ratio if used too much), and can only be used at specific retailers which is limiting.
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Paths to Building Credit

Prepaid Cards

When seeking a credit card for no credit, prepaid cards can be a nice entry point. Similar to the Firstcard® Secured Credit Builder Card, they require you to make an upfront deposit before you can spend. Firstcard a better option for those looking to build credit since , prepaid cards don’t help to build your credit score.

Credit Builder Loans

A credit builder loan helps you build credit if you have no credit as you make monthly payments on a loan held in a secured account. Unfortunately, the funds are only released once the entire loan is paid off, and these loans often come with high fees. Firstcard’s credit card for no credit offers a better solution. With Firstcard, you get instant access to your funds and never have to worry about hidden fees. You'll, also enjoy up to 15% cashback, and 4.00% APY with Firstcard Premium

Becoming an Authorized User

As an authorized user you are not responsible for paying the credit card bill but build credit by being added to someone else’s credit card account. In turn, their good payment history can boost your score. However, this option isn’t available for everyone if you don’t have a family member or a friend to help you. With Firstcard’s credit card for no credit, everyone is pre-approved and can build credit independently while earning rewards like high cashback and up to 4.00% APY!
Upfront Deposit
Low Fees
Build Credit
Earn Rewards
Prepaid Cards
Credit Builder Loans
Becoming an
Authorized
User

Timeline:

Path from No Credit to strong credit

Did you know that your credit score can impact everything from student loans to financing a car and even buying a home? That’s why it’s important to start building credit as soon as possible.

With no credit, getting a traditional credit card can seem out of reach. Firstcard is here to help you build credit from scratch. Let’s take a look at the timeline from no credit to a strong credit together.

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day 1
Apply online for Firstcard. Once approved, deposit money into your Firstcard account and spend using your virtual card to start building credit.  As you use your credit card for no credit responsibly, Firstcard reports your on time payment activity to all three U.S. credit bureaus monthly.
6 months
‍After six months of consistent, on-time payments, your credit score can often reach the mid-600s. At this stage you can consider moving away from credit cards for no credit and applying for traditional credit cards. If you don’t feel ready to apply for another card, increase your monthly balance with Firstcard to continue to build credit safely!
12 months
‍After a year of responsible credit use, your credit score can improve further, potentially entering the high 600s to low 700s, signifying good credit.
24 months
‍After two years of on-time payments and prudent credit management, you should have established a solid credit history. This can lead to a credit score in the mid to high 700s, which is considered to be excellent!
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How to Apply for a Credit Card for No Credit

Getting a credit card for no credit can be simple, but remember to take the time to research to ensure the product you are signing up for aligns with your budget and goals. Here’s how to get started.

Research Credit Cards For No Credit:

Look for credit cards for no credit like secured credit cards or student credit cards. The Firstcard® Secured Credit Builder Card is an excellent option. These types of cards typically have lower entry requirements. With Firstcard there is no hard credit check and you are pre-approved.

Check Your Eligibility:

Before applying, ensure you meet the age requirement (typically 18 years or older) and have the necessary documents prepared.

Gather Necessary Documents:

You may be asked to provide: proof of income, Social Security Number (SSN) and/or ITIN, Passport, Visa, and other personal information.

Apply For Your Credit Card:

Most credit card applications can be completed online but some require you to go in person. After selecting your credit card for no credit apply as suggested. With Firstcard you can apply online and start building credit in as little as 1 day.

Start Building Credit:

Once approved for your credit card, spend responsibly and pay your bill off on time to build credit!
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Why Firstcard Is a Great Credit card for no credit

Without credit history it can seem impossible to get approved for a credit card. Firstcard eliminates this problem by pre-approving users with no credit history. See why Firstcard is a great credit card for  no credit below:
You’re Pre-Approved

Firstcard is great credit card for no credit as no credit history is needed for approval. Simply apply online with your SSN, ITIN, or passport to open an account and start building credit.

No Hard Credit Inquiry

Did you know that almost all traditional credit cards require a hard credit inquiry when you apply for an account? Firstcard’s credit card for no credit is different as there is no hard credit inquiry needed to get an account.

No Overspending

For people with no credit history, overspending can lead to debt which can lower your credit score if not addressed promptly. Firstcard is a great credit card for no credit because what you deposit is what you can spend. This means that you will never spend more than you have which enables you to safely grow your credit over time!

Build Credit

Firstcard makes credit building easy and safe for people with no credit. What you deposit into your account is what you can spend on your Firstcard credit card. You can also monitor your credit score any time in the app as long as you have an SSN or ITIN. This makes Firstcard a great credit card for no credit as you are able to build credit safely.

Earn Premium Rewards

Many individuals with no credit cannot access premium rewards through traditional credit cards. Firstcard provides a better credit card for no credit. Users can earn up to 4.00% APY, which is 3.58% higher than the national average. Firstcard also offers 10% random cashback on qualifying transactions, and up to 15% cashback at more than 29,000 partner merchants.

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Apply for a Credit Card with No Credit

Step 1: Gather necessary documents to apply for your first credit card. To get started with your Firstcard application, make sure you meet the following requirements:
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Age Requirement:
You must be at least 18 years old.
Proof of U.S. Residency:
Provide a legal U.S. residential address.
Valid Government-Issued ID:
This can be a State ID, Driver’s License, or Passport.
SSN or ITIN:
If you don’t have an SSN, you’ll need two documents:
  1. A Passport
  2. Either a U.S. Visa or an ITIN
Step 2: Apply for Firstcard® Secured Credit Builder Card today. You’re pre-approved. No credit checks or hard inquiry.
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Step 3: After approval, add money to your Firstcard and start using your Firstcard with purchases
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Step 4: Turn on Autopay to make sure you make on-time payments.
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Step 5: Firstcard will report your good on-time spending behavior to all three major credit bureaus: Equifax®, Experian®, and TransUnion®.
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Apply now

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.

Frequently asked questions

How do I choose the right credit card for me?

If you are looking for a credit card for no credit and are trying to decide which is right for you, consider hidden fees, annual fees, rewards like cashback and APY, APR, and whether or not you meet qualifications

Firstcard is a great credit card for people with no credit as there are low annual fees, 0% APR, and you can earn up to 15% cashback and up to 4% APY. There are also safeguards in place, like how you can’t spend more than you deposit, which helps to ensure you are spending within your means and building credit safely.

Will checking my credit report hurt my credit score?

No, checking your credit report will not hurt your credit score. When you review your own credit report, it’s considered a “soft inquiry,” which has no impact on your score. This is different from a “hard inquiry,” which occurs when a lender checks your credit as part of a loan or a credit card application.

Firstcard is an excellent credit card for no credit as you can regularly monitor your credit score directly in the app to ensure you are staying on track. If you’re building credit from scratch or have no credit history, the Firstcard secured credit card is great for helping to establish good credit over time.

How long does it take to build credit?

If you have no credit, it can take as little as a few months to start to build credit. After six months of consistent, on-time payments, your credit score can often reach the mid-600s. After a year of responsible credit use, your credit score can improve further, potentially entering the high 600s to low 700s. After two years of on-time payments and prudent credit management, your credit score can reach the mid to high 700s, which is considered to be excellent!

Can I get a credit card with a 0 credit score?

You can absolutely get a credit card with 0 credit score! Secured credit cards or student credit cards are great options for people seeking a credit card for no credit. Student credit cards do require you to be a student, so secured cards like Firstcard are a better option for anyone who is not enrolled in school.

What is the easiest credit card to get with no credit?

The easiest way to get a credit card for no credit is to apply online. Make sure to do your research and look for a credit card with low APR and low fees. Firstcard is a great option if you have no credit, as there is a 0% APR, no hidden fees, and you’re pre-approved.

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No Credit today

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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. . For cardholders without an SSN, credit monitoring and APY features are unavailable. For ITIN cardholders, APY feature is available; however, credit monitoring remains unavailable. 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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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 January 10, 2025: https://www.chase.com/content/dam/chase-ux/ratesheets/pdfs/rdfl1.pdf

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Data pulled from Bank of America as of January 10, 2025: https://www.bankofamerica.com/deposits/bank-account-interest-rates/

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Data pulled from Wells Fargo as of January 10, 2025: https://www.wellsfargo.com/checking/prime/

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Data pulled from Discover It Secured Credit Card as of January 10, 2025: https://www.discover.com/credit-cards/secured/

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Data pulled Chase Freedom Unlimited credit card from as of January 10, 2025: 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 January 10, 2025: 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 0.42% APY (as of December 16, 2024). https://www.fdic.gov/resources/bankers/national-rates/.