Credit builder card for college students

Build credit early, earn cashback, grow your savings all in one place.

As seen in

A whole new way to build credit:

What you deposit is what you can spend

Here’s how Firstcard works
When you open an account with Firstcard, you will get both a bank account and a credit card.
1
Apply for Firstcard
2
Move money into Firstcard bank account
3
Build credit by spending with Firstcard
Su dinero está asegurado por la FDIC en hasta $250,000 a través de Regent Bank, un miembro de la FDIC
Info
¿Qué significa FDIC?

The best way to build credit for college students

Build your credit score every time you spend

No annual fee, late payment,
or interest

No more overspending

Accept international students without SSN1

We’re not like the others.

Sin verificaciones de crédito
Sin riesgo de gasto excesivo
Acepta estudiantes internacionales sin SSN
APY (Interés que ganas al depositar) Info
APR (Interés que pagas)
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1.25% con Firstcard
4.25% con Firstcard+4
0%
Hasta 28.24%9
20.49%-29.24%10
26.24%11
Discover Secured Card
Chase Freedom Credit Card
Bank of America Secured Card
No credit checks
icon check
No overspending risk
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Accept International students without an SSN
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APY (Interest you earn on deposit)
1.25% with Firstcard
4.25% with Firstcard+5
APR (Interest you pay)
0%
Discover Secured Card
No credit checks
No overspending risk
Accept International students without an SSN
APY (Interest you earn on deposit)
APR (Interest you pay)
Up to 28.24%9
Chase Freedom Credit Card
No credit checks
No overspending risk
Accept International students without an SSN
APY (Interest you earn on deposit)
APR (Interest you pay)
Up to 29.24%10
Bank of America Secured Card
No credit checks
No overspending risk
Accept International students without an SSN
APY (Interest you earn on deposit)
APR (Interest you pay)
Up to 26.24%11
Info
¿Qué es una APR?

Credit building for every student, including international students

Accept international students without SSN1

No credit check or hard inquiry

Approve application regardless of your credit history1

Earn up to 15% Merchant Cashback2 at 29,000 partner merchants around your campus

Whether it's groceries, dining, or online shopping, enjoy cash back rewards that put your money back right in your pocket!

Get up to 10% Random Cashback3 on all purchases

Play the spinning wheel in the app to earn up to 10% bonus cashback after every purchase.
Yes, you heard it right—you get bonus cashback on every purchase.

Gana hasta 4.25% APY sobre tu dinero

La tasa de interés promedio nacional en las cuentas de ahorro es del 0.6% APY. 

Estamos de tu lado. Queremos ofrecer a los estudiantes una tarifa mucho mejor para que puedan hacer crecer su dinero desde el primer día.

APY
1.25%
4.25%4
Chase
0.01%6
Bank of America
0.01%7
Wells Fargo
0.01%8
Info
¿Qué es un APY?

Upgrade to Firstcard+5

Gratis
5
$4.99/mes
o
$48/anual
APY Info
1.25%
4.25%4
Función de Monitor de Crédito
_
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1% de reembolso adicional además del Merchant Cashback2 y Random Cashback3
_
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Tarifa de transacción extranjera
1.5%
Gratis
APY Info
1.25%
Credit Monitor feature
_
1% Cashback + Merchant Cashback2 and Random Cashback3
_
Foreign transaction fee
1.5%
5
$4.99/mo or $50/yr
APY Info
4.25%
Credit Monitor feature
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1% Cashback + Merchant Cashback2 and Random Cashback3
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Foreign transaction fee
Free

Seguridad & soporte en el que puedes confiar

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.
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. Info
Desarrollado por Mastercard con garantía de protección contra fraude de responsabilidad cero por cargos no autorizados.

Somos transparentes

  • Sin cuotas escondidas.

  • Sin cuotas anuales.

  • Sin cargos por intereses.

  • Sin cargos por pagos atrasados.

  • Sin cargos por sobregiro.

  • Sin tarifas de instalación.

Reviews

See what our users love about us.
Really helps me not overspend

Firstcard  is really helpful because it allows me to not overspend and be more frugal about what I’m spending every month.
Overall I really have been enjoying my Firstcard and have been recommending it to friends.

Jessicaxnguyen
Super cool concept for college students!

Firstcard's high cash back program is an awesome way for college students to get money back without even trying. The app design is super user friendly as well.

MichelleKK2016
Great for helping young college students build credit

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.

Anthony Wang
Easy to use credit builder card

Firstcard has made it so easy for me to manage my money and get great cashback deals.

Hannah Semaya
It’s perfect for college students

I'm getting cashback on a lot of the purchases and I'm using that all for savings for a trip.

Lucas
Best card for college students

One of the best cards for college students. The app is also very easy to use.

Jansan2
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Build your credit early with Firstcard.
This is the best first card you need.