Features
Credit for all
Learn
Plans
About
Help Center
English
Get Started
APY
Build Credit
Earn Cashback
No APR
For Credit Building
First Credit Card
Credit Card for Bad Credit
Secured Credit Card
Credit Card for No Credit
Credit Card for Beginners
For Students
College Students
International Students
For Internationals
Immigrants
No SSN
ITIN
Languages
For Chinese Speaker (中文)
For Spanish Speaker (Español)
For Japanese Speaker (日本語)
For Portuguese Speaker (Português)
Features
Credit For All
About
Plans
Learn
Help Center
Firstcard® Secured Credit Builder Card
Info

The No APR Credit Card

Looking to build credit with 0% APR? Firstcard has you covered! No intro rates, no surprises, just 0% APR that stays at zero.
Apply Now

What is a No APR Credit Card?

A no APR credit card is one where you will not be charged interest and APR. Many no APR credit cards promote 0% APR intro rates that can last up to 21 months. However, once the intro period ends, the APR can jump to nearly 30%.

Firstcard is one of the best no APR credit cards because we keep your APR at 0%. No matter how long you’ve been a customer, your APR stays at 0% long past the intro period. That way, you can focus on building credit safely.

Apply now

About No APR Credit Cards

Unlike Firstcard, many no APR credit cards promote 0% APR intro rates as a way to attract customers. Intro rates typically last no longer than 21 months and if the card user is unaware that their APR rate increases, they can easily begin to accumulate large amounts of debt if they carry a balance.

For example, if you have an unpaid balance of $1000 and your APR rate increases to 27% after your intro period, you will need to pay an additional $305.41 in interest if your balance remains unpaid for 12 months.

Apply now

Firstcard vs. Other 0% APR Credit Cards

Firstcard is one of the best no APR credit cards, and one of very few secured credit cards on the market, that offers 0% APR beyond the intro period. Our goal is to help customers build credit safely, not profit off of a lack of financial knowledge. With Firstcard’s no APR credit card, you don’t need to worry about overspending or paying interest on your credit card. You’ll get to focus on growing your savings and building credit fast!
Apply now
BankAmericard®13
CITI® SECURED14
0%
Up to 25.24%
Up to 29.99%
Unlimited
$5,000
$2,500
Apply with No SSN
No Hard Credit Check
APR (after intro period)
Maximum Credit Limit

How to Apply for a No APR Credit Card

Applying for a no APR credit card can be easy, but it’s crucial to research first. Many have no APR credit cards have high APR rates up to nearly 30% that take effect after the 0% APR intro period ends. Here are some tips for easy approval:

Research No APR Credit Cards:

Before applying, make sure to do adequate research into which no APR credit is best for you. Take into consideration your ideal credit limit, fees, APY, and rewards before coming to a decision.

Check Your Eligibility:

Most no APR credit cards require you to be 18 years of age or older in order to open an account. Many no APR credit cards also require SSN for approval. If you do not have an SSN, Firstcard is a great choice as no SSN is needed for approval!

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. Make sure you have these documents close by before applying for your no APR credit card.

Apply For Your Credit Card:

Depending on the requirements, you will need to apply online or in person for your no APR credit card. With Firstcard’s no APR credit card, you can apply online and start building credit in as little as 1 day.

Start Building Credit:

Once approved for your no APR credit card, start building credit by making on time payments. Make sure you are paying your balance off in full each month rather than just paying the minimum payment.
Apply now

Apply for Your No APR Credit Card

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:
1
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.
2
Step 3: After approval, add money to your Firstcard and start using your Firstcard with purchases
3
Step 4: Turn on Autopay to make sure you make on-time payments.
4
Step 5: Firstcard will report your good on-time spending behavior to all three major credit bureaus: Equifax®, Experian®, and TransUnion®.
5
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

What are the eligibility requirements for this card?

In order to be eligible for Firstcard’s no APR credit card, you need to:

  • Be 18 years of age or older
  • Be able to provide proof of address at a legal U.S. residential address
  • Have a valid Government-Issued ID (This can be a State ID, Driver’s License, or Passport)
  • Have an SSN or ITIN
    • If you don’t have an SSN, you’ll need two documents:
      • A Passport
      • Either a U.S. Visa or an ITIN
How do I earn rewards with this card?

With Firstcard’s no APR credit card, earning rewards is easy! You’ll earn up to 15% cashback when you shop in-store or online at any of Firstcard’s 29,000+ partner merchants with your no apr credit card. You’ll also earn up to 10% random cashback on all qualifying purchases and when you subscribe to Firstcard Premium, you can earn up to 4.00% APY on the balance in your account and unlimited 1% cashback on all purchases. The best part is you don’t need to activate any of these offers in the app as they are automatically applied as you spend!

Are there any fees associated with Firstcard’s no APR credit card?

With Firstcard’s no APR credit card, the only upfront fees are the plan fees which recur monthly or annually depending on the plan you select. Fees start as low as $4.99/month for Firstcard Standard and go up to $120/year for Firstcard Premium

Can I transfer balances from other credit cards and get the 0% APR?

With most credit cards, you can transfer balances from other credit cards during your 0% APR introductory period. Please note that the amount cannot exceed the credit limit of the card you are transferring the balance to. There also may be a fee depending on your no APR credit card. 

With Firstcard’s no APR credit card, we do not allow balance transfers as we do not extend a credit line. Firstcard’s no APR credit card is a secured card where what you deposit into your account is what you can spend. Using your Firstcard no APR credit card responsibly helps to increase your credit score over time.

What purchases qualify for the 0% APR?

On a no APR credit card, balance transfers and new purchases such as groceries, dining out, gas, shopping, phone bills and more all qualify. Cash advances typically don't qualify, but it varies depending on your no APR credit card.

Get A Credit Card with
No Credit today

Get Started

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.
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
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
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.
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
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

Invest in your future

Start building credit today

Get Started
Get Started
Company
About UsLearnFeesScholarship
Legal & Regulatory
Terms of useDisclosuresPrivacy PolicyCashback ProgramReferral Program PolicyMarketing Campaign TermsSecurity at Firstcard
Contact Us
FAQsupport@firstcard.app
Follow
© 2025 Firstcard. All rights reserved.
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

2 

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.

‍

2 

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

‍

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 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.

‍

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.

‍

2 

Data pulled from Chase Bank as of January 10, 2025: https://www.chase.com/content/dam/chase-ux/ratesheets/pdfs/rdfl1.pdf

‍

2 

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

‍

2 

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

‍

2 

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

‍

2 

Data pulled Chase Freedom Unlimited credit card from as of January 10, 2025: https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited

‍

2 

Data pulled from Bank of America Secured Credit Card as of January 10, 2025: https://www.bankofamerica.com/credit-cards/products/secured-credit-card/

‍

‍

2 

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/.