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

The first credit card for immigrants

Get a credit card and start building credit without an SSN or ITIN when you first arrive the U.S.

Build your credit score from the moment you arrive in the US

Build your credit score from the moment you arrive in the US

Start building your credit score as soon as you land in the U.S. with Firstcard.
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Get a credit card without an SSN.

We designed a credit card for immigrants without an SSN. Apply with your passport if you just arrived the U.S. and don’t have an SSN or ITIN.

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International wire transfer

Easily send and receive money globally with our seamless international wire transfer services, whether you're supporting family, paying for education, or managing business transactions.

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A card FOR everyone in the family

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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

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

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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.

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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?
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Build a better future
 with a better credit score.

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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.
Powered by Mastercard
Powered by Mastercard with Zero Liability Fraud Protection guarantee for unauthorized charges.

Questions From Immigrants

How to get a credit card for immigrants in the US?
If you are an immigrant or non-US citizen, start by looking for banks and financial institutions that offer credit cards specifically designed for immigrants. For example, you can apply for a credit card with Firstcard even without an SSN. Firstcard understands the unique needs of immigrants and does not require an SSN or credit history. With Firstcard, immigrants can get a credit card using their passports. Once you get a credit card for international students, use it responsibly to build your credit history in the U.S.
I don't have a Social Security number (SSN). Can I still get a credit card for immigrants?
Absolutely! Firstcard is one of the best credit cards for immigrants because Firstcard accepts applicants without SSN. Instead, Firstcard uses passports or an Individual Taxpayer Identification Number (ITIN) for verification, making it much easier for immigrants and non-US citizens to start building credit in the US.

To learn more about how to get a credit card without an SSN, read this article.
How can I build credit as a new immigrant without a US credit history?
As a new immigrant without a US credit history, you can build credit by obtaining a credit card for immigrants. Look for financial institutions that offer credit cards specifically designed for immigrants, which often don't require a US credit history or SSN. Firstcard is a great first card to have for new immigrants. After opening Firstcard, make sure that you pay your bills on time, as punctuality significantly impacts your credit score. More importantly, keep your credit card balances low relative to your credit limit to show responsible credit usage. he good news is that Firstcard secured credit card dose not have a credit limit so you don’t need to worry about exceeding the credit usage! What you deposit is what you can spend!
What are some features to look for in a credit card for immigrants?
When choosing a credit card for immigrants, look for features like no SSN requirement, low interest rates, rewards programs, and credit-building tools. 

Firstcard is an excellent credit card for immigrants as it helps immigrants build credit, doesn’t require SSN, has 0% APR, offers up to 15% cashback at thousands of partner merchants and provides multilingual customer support in English, Chinese, Japanese, Spanish and Portuguese. Furthermore, if you have an ITIN and SSN, you can earn up to 4.00% APY on the money in your account with Firstcard Premium.
What are some tips for using credit cards responsibly as an immigrant?
To use a credit card for immigrants responsibly, follow these tips: 
  1. First, open a credit builder card or secured credit card like Firstcard to help you build credit with every purchase.
  2. Second, allocate a budget each month and deposit that amount into your credit card account to ensure you never spend more than planned. You can automate this deposit by setting up direct deposit with employers or relatives.
  3. Third, make sure to pay your balance in full each month to avoid interest charges and build a positive credit history. With Firstcard, you can enable the Autopay feature in the app to make sure that you always make payments on time.
  4. Fourth, make purchases using your credit builder card so you build credit every time you send.
  5. Finally, monitor your account regularly for any unauthorized transactions. Watch your credit score go up with on-time monthly payments. With Firstcard, you can monitor your credit score right in the app!

our users love us

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
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

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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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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/.