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

Get a credit card without a social security number

No SSN? Start with your passport.

Firstcard has helped many

IMMIGRANTS Students Non-US Citizens Expats

get a credit card without an ssn

We know your creditworthy. Let's show it to the world.

Get a credit card without an SSN.

We designed a credit card for immigrants without an SSN.  If you’ve just arrived in the U.S. and don’t have an SSN or ITIN, you can apply with your passport.

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credit building made easier

Make every purchase count towards better credit by using your Firstcard. Build credit effortlessly as you dine, shop, and enjoy your everyday activities.

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Start your journey in
the u.s. the right way
with better credit

Start your journey in
the u.s. the right way
with better credit

Get Started
Get Started

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

Play the roulette 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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Jumpstart your credit journey and build a better tomorrow

Jumpstart your credit journey and build a better tomorrow

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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 People with No SSN

Is it even possible to get a credit card without a Social Security Number?
Yes, you can get a credit card without a Social Security Number. Typically people searching for a credit card without a social security number would include recent or future immigrants, international students, and expats. You can get a credit card without an SSN from some secured credit card providers such as Firstcard. Firstcard does not require an SSN for a credit card if you have an ITIN or passport.
What alternatives are there to a Social Security number?
  • Individual Taxpayer Identification Number (ITIN): This IRS-issued number can be used instead of a Social Security number for various purposes, including credit card applications.
  • Passport: With Firstcard, we allow users to apply for our secured credit card with a passport.
Where can I find credit cards that don't require a Social Security number?
  • ITIN-friendly issuers: Research banks or credit card companies known to accept ITINs 
  • Cards with relaxed requirements: Some issuers like Firstcard may offer secured cards or student cards with less stringent application processes.
What are the drawbacks of getting a credit card without a Social Security number?
  • Limited choices: You may have fewer credit card options compared to applicants with Social Security numbers.
  • Requirement of security deposits: Secured cards, often used to build credit, typically require a cash deposit as security 
  • ‍Potential for higher interest rates: Cards issued without a Social Security number may come with higher interest rates due to the perceived increased risk by the issuer.
How can I build credit without a Social Security number?
  • ITIN credit reporting agencies: Some credit bureaus offer credit reporting products specifically for ITIN holders
  • ‍Become an authorized user: Get added as an authorized user on someone else's credit card in good standing. Their positive credit history can improve yours 
  • ‍Non-credit alternatives: Make on-time payments for rent, utilities, and other bills. Some services can report this activity to credit bureaus, potentially improving your credit score.

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

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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/.