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Firstcard® Secured Credit Builder Card
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CONSTRUCCIÓN DE CRÉDITO PARA TODOS

credit building for all

Cuando otros bancos te rechazan, nosotros somos los primeros en creer en ti.
Comienza ahoraGet Started
Visto en:

¿Cómo funciona firstcard?

Tu dinero está asegurado por la FDIC hasta $250,000 a través de Regent Bank, miembro de la FDIC.
Info
Firstcard es una empresa de tecnología, no un banco. Los servicios bancarios son proporcionados por Regent Bank.
Reportamos a las tres principales agencias de crédito.

¿Quiénes son los primeros en creer que eres digno de crédito?

Nosotros. Construyamos tu crédito juntos.

Construcción de crédito para todos

  • Aceptamos estudiantes internacionales, inmigrantes y extranjeros sin SSN.
  • Sin verificación de crédito ni consulta exhaustiva.
  • Sin gastos excesivos.
  • 0% de Tasa de Interés Anual (APR).
  • Gana dinero mientras gastas.
Estás preaprobado¹
You’re pre-approved1
Reportamos a las 3 principales agencias de crédito.

Construye crédito mientras gastas

Build credit
with every purchase

Convierte tus compras diarias en oportunidades para aumentar tu puntaje de crédito sin esfuerzo.
Comienza ahora
Dining
Electronics
Rent
Car
KTV
Tuition
Coffee
Get Started

No somos como los demás

Sin verificaciones de crédito
Sin riesgo de gasto excesivo Info
Acepta estudiantes internacionales sin SSN
APY
Info
Interés que ganas al depositar
APR
Info
Interés que pagas
1.25% con Firstcard Standard‍
‍4.25% con Firstcard+5
0%
Discover Secure

Card
0%
Hasta 28.24%9
Chase Freedom
Credit Card
0%
20.49% - 29.24%10
Bank of America Secured Card
26.24%11
Los residentes no estadounidenses no son elegibles para APY.
Get Started

GANA HASTA UN 15% DE CASHBACK EN MÁS DE 29,000 COMERCIOS ASOCIADOS

Ya sea en café, comestibles, restaurantes o compras en línea, disfruta de reembolsos en efectivo que ponen tu dinero de vuelta en tu bolsillo.
Comienza ahora

Obtén hasta un 10% de CASHBACK aleatorio³

Gira la ruleta en la aplicación para ganar hasta un 10% de cashback aleatorio después de cada compra.
Comienza ahora
Get Started

Earn up to 4.25% APY1 on your money

The national average interest rate on savings accounts is 0.45% APY12. 

We are not greedy. We want to offer students a much better rate so they can grow their money faster.

Get Started
APY
1.25%
4.25%4
Chase
0.01%6
Bank of America
0.01%7
Wells Fargo
0.01%8
Info
What is an APY?
Get Started

Asciende a Firstcard+⁵

gratis
$4.99 al mes
o
$48 al año
APY
1.25%
4.25%4
Función de monitoreo de crédito
1% adicional de cashback, además del Cashback de Comercios² y del Cashback Aleatorio³
Tarifa por transacciones en el extranjero
1.5%
Gratis
Comienza ahora
Free
APY
1.25%
Credit monitoring feature
Additional 1% cashback on
top of Merchant Cashback2
and Random Cashback3
Foreign transaction fee
1.5%
Get Started
$4.99/month
or
$50/year
APY
4.25%
Credit monitoring feature
Additional 1% cashback on
top of Merchant Cashback2
and Random Cashback3
Foreign transaction fee
Free
Upgrade
La función de monitoreo de crédito no está disponible para estudiantes internacionales sin Numero de Seguro Social.

Seguridad & soporte en el que puedes confiar

Seguro y protegido
La seguridad y la protección son la principal prioridad de Firstcard. Firstcard utiliza tecnología de cifrado estándar de la industria para garantizar que su cuenta y su información estén seguras y protegidas.
Asegurado hasta $250,000
El dinero en su cuenta Firstcard está asegurado hasta un monto máximo de $250,000 a través de nuestro banco asociado, Regent Bank, miembro de la FDIC.
En asociación con Mastercard
Desarrollado por Mastercard con garantía de protección contra fraude de responsabilidad cero por cargos no autorizados.

Somos transparentes con las tarifas

  • Sin APR ni intereses.
  • Sin cargos por pagos atrasados.
  • Sin cargos por sobregiro.
  • Sin tarifas de inicio.
  • Sin requisito de depósito mínimo.
Get Started

Soporte al cliente multilingüe

Para servir mejor a nuestra diversa comunidad, ahora ofrecemos soporte al cliente en cinco idiomas: inglés, chino, japonés, español y portugués.
Comienza ahora

NUESTROS USUARIOS NOS AMAN

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
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
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
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 easiest way to build credit in the US!

If you’re an international student looking for the easiest way to start building credit in the US look no further! Firstcard’s credit-building features are top-notch, and the ease of use without requiring an SSN are just a few of the reasons why I love Firsctard.

Nicholas S.
Safe Credit Building with Autopay!

I love using Firstcard as an international student! The autopay feature ensures my card is always paid off on time, helping me to build credit safely. The excellent cashback rewards are a great way to save a little extra money whenever I shop or eat out. Thanks to Firstcard, I’m able to build my credit and manage my expenses effectively in the US.

Patricia P
Firstcard makes credit building fun!

Firstcard's cashback program has been a fantastic bonus for me as an international student. Earning up to 15% cashback when I dine out or buy boba and enjoying an additional 10% cashback through the app’s spinning wheel have made managing my expenses while building credit much more fun and rewarding.

Leon Y
¡AMO LA APP!

Como fundador inmigrante, no sabía cómo empezar a construir crédito cuando me mudé a EE. UU. Luego, un amigo me habló de Firstcard. Firstcard hizo que construir crédito fuera mucho más fácil. ¡Pude aumentar mi puntaje de crédito en más de 20 puntos en solo unas semanas, y la aplicación es muy fácil de usar! Soy un gran fan de Firstcard.

Yo Shibata
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.
¡Una excelente tarjeta para inmigrantes!

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.
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 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.
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.
La mejor manera de construir crédito sin un SSN

Como inmigrante, me costaba encontrar una tarjeta de crédito. Firstcard fue la solución perfecta con su requisito de no necesitar un SSN. Ahora puedo construir crédito y ganar recompensas con cada compra.

Hana P.
The stress-free way to build credit in college

Firstcard has been a game-changer for my finances as a college student. The cashback rewards are fantastic, and I love that there are no hidden fees. It's perfect for managing my spending and building credit without stress.

Brody M.
A must have!

Firstcard offers a top-notch banking experience that’s convenient, secure, and reliable. From the moment I signed up I was impressed by its user-friendly interface and seamless integration. I highly recommend it to anyone looking for a modern payment solution!!

Bella H.
Perfect for international students & immigrants!

This app is great to build credit and not worrying about overspending.

I recommend this to college students who are in need of building strong credit.

Boris M.
Easy to use credit builder card

The no-overspending risk and no annual fees were what drew me to Firstcard. The bonus cashback feature is a fun addition, and it's helped me save money effortlessly on everyday purchases.

Katherine K.
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
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
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
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 easiest way to build credit in the US!

If you’re an international student looking for the easiest way to start building credit in the US look no further! Firstcard’s credit-building features are top-notch, and the ease of use without requiring an SSN are just a few of the reasons why I love Firsctard.

Nicholas S.
Safe Credit Building with Autopay!

I love using Firstcard as an international student! The autopay feature ensures my card is always paid off on time, helping me to build credit safely. The excellent cashback rewards are a great way to save a little extra money whenever I shop or eat out. Thanks to Firstcard, I’m able to build my credit and manage my expenses effectively in the US.

Patricia P
Firstcard makes credit building fun!

Firstcard's cashback program has been a fantastic bonus for me as an international student. Earning up to 15% cashback when I dine out or buy boba and enjoying an additional 10% cashback through the app’s spinning wheel have made managing my expenses while building credit much more fun and rewarding.

Leon Y
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
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.
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.
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 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.
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.
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.
The stress-free way to build credit in college

Firstcard has been a game-changer for my finances as a college student. The cashback rewards are fantastic, and I love that there are no hidden fees. It's perfect for managing my spending and building credit without stress.

Brody M.
A must have!

Firstcard offers a top-notch banking experience that’s convenient, secure, and reliable. From the moment I signed up I was impressed by its user-friendly interface and seamless integration. I highly recommend it to anyone looking for a modern payment solution!!

Bella H.
Perfect for international students & immigrants!

This app is great to build credit and not worrying about overspending.

I recommend this to college students who are in need of building strong credit.

Boris M.
Easy to use credit builder card

The no-overspending risk and no annual fees were what drew me to Firstcard. The bonus cashback feature is a fun addition, and it's helped me save money effortlessly on everyday purchases.

Katherine K.

INVIERTE EN TU FUTURO

COMIENZA A CONSTRUIR 
TU CRÉDITO HOY

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Get Started
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FTC

Firstcard es una empresa de tecnología financiera, no un banco. Los servicios bancarios son proporcionados por Regent Bank, miembro de la FDIC. Las tarjetas de crédito Firstcard son emitidas por Regent Bank, bajo licencia de Mastercard. Válido para mayores de 18 años y sujeto a aprobación de cuenta. El seguro de depósito de la FDIC cubre hasta $250,000 por cuenta de cliente calificada en una base de "transferencia"; el seguro de la FDIC solo cubre la quiebra de instituciones depositarias aseguradas. Se deben cumplir ciertas condiciones para que aplique el seguro de depósito de la FDIC por transferencia.

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 

Válido para mayores de 18 años y sujeto a aprobación de cuenta.

‍

‍

2 

Cashback de Comercios: El monto del cashback lo determinan la transacción y los comercios participantes. Consulta firstcard.app/cashback-policy.

‍

2 

Cashback Aleatorio: Los usuarios pueden recibir hasta un 10% de cashback aleatorio en compras calificadas, es decir, aquellas que han sido procesadas y aceptadas por el comercio y liquidadas en la cuenta de Firstcard. Algunas transacciones, como retiros en cajeros automáticos, transferencias de efectivo, compras de tarjetas de regalo, apuestas y pagos de facturas, no califican para el cashback aleatorio. Consulta más detalles en firstcard.app/random-cashback-policy

2 

El Rendimiento Anual Porcentual ("APY") para la Cuenta de Depósito es variable y puede cambiar en cualquier momento. El APY divulgado es efectivo a partir de octubre de 2023. Los usuarios sin SSN o ITIN en archivo actualmente no son elegibles para ganar intereses. No se requiere un saldo mínimo. Las tarifas pueden reducir las ganancias en la cuenta.

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2 

Los clientes de Firstcard+ ganarán un 1% adicional de cashback ilimitado en todas las compras elegibles con tarjeta de crédito. Se aplican exclusiones. No se obtienen recompensas de cashback en retiros de cajeros automáticos, transferencias P2P, compras de tarjetas de regalo u otros equivalentes de efectivo, y ciertos otros tipos de transacciones según lo determine Firstcard. El cashback se otorga dentro de los 7 días posteriores a que la transacción elegible se refleje en tu cuenta. No se requiere un saldo mínimo para ganar cashback.

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2 

Datos extraídos de Chase Bank al 20 de octubre de 2023:

https://www.chase.com/content/dam/chase-ux/ratesheets/pdfs/rdfl1.pdf

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2 

Datos extraídos de Bank of America al 24 de octubre de 2023:

https://www.bankofamerica.com/deposits/bank-account-interest-rates-modal.go

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2 

Datos extraídos de Wells Fargo al 24 de octubre de 2023:

https://www.wellsfargo.com/checking/prime/

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2 

Datos extraídos de la tarjeta Discover It Secured Credit Card al 16 de octubre de 2023:

https://www.discover.com/credit-cards/secured/

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2 

Datos extraídos de la tarjeta Chase Freedom Unlimited al 16 de octubre de 2023:

https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited

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2 

Datos extraídos de la tarjeta Bank of America Secured Credit Card al 16 de octubre de 2023: https://www.bankofamerica.com/credit-cards/products/secured-credit-card/‍

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2 

Según la FDIC, la tasa de interés promedio nacional en cuentas de ahorro es del 0.45% APY (a partir del 15 de julio de 2024) https://www.fdic.gov/resources/bankers/national-rates/.